| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | Banco Atlántida | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 67,348,885.4 | 58,254,696.8 | 48,428,246.3 | 20,813,060.9 | 13,780,841.5 | 5,430,461.7 | 6,284,262.8 | 455,272.4 | 1,509,056.3 | 860,136.1 | 1,510,613.1 | 2,717,680.8 | 227,393,214.2 | | Efectivo y Equivalentes de Efectivo | 18,111,135.2 | 10,062,985.1 | 18,354,204.7 | 5,490,743.0 | 3,866,583.2 | 1,507,129.3 | 386,855.1 | 288,434.4 | 180,506.9 | 341,381.1 | 294,507.7 | 405,592.7 | 59,290,058.4 | | Moneda Nacional | 4,899,022.6 | 2,644,600.6 | 4,227,919.9 | 1,071,031.3 | 490,478.8 | 394,741.0 | 18,318.0 | 6,245.7 | 35,120.5 | 50,593.2 | 206,114.0 | 172,393.3 | 14,216,579.0 | | Caja | 1,525,576.8 | 1,107,090.4 | 2,053,447.3 | 238,504.3 | 205,528.5 | 110,787.2 | 246.8 | 2,959.3 | 12,419.8 | 3,401.7 | 21,535.7 | 86,033.5 | 5,367,531.2 | | Banco Central de Nicaragua | 3,340,660.5 | 1,527,249.5 | 2,157,784.1 | 788,127.8 | 266,312.5 | 179,096.8 | 11.4 | 1,458.4 | 12,421.7 | 8.3 | 99.4 | 0.0 | 8,273,230.4 | | Instituciones Financieras | 32,785.3 | 10,260.7 | 16,688.5 | 44,399.1 | 18,637.8 | 16,850.0 | 18,059.8 | 1,828.0 | 10,279.0 | 47,183.2 | 141,755.2 | 86,359.9 | 445,086.6 | | 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 | 88,007.0 | 0.0 | 0.0 | 0.0 | 0.0 | 42,723.7 | 0.0 | 130,730.7 | | Moneda Extranjera | 13,212,112.6 | 7,418,384.5 | 14,126,284.8 | 4,419,711.8 | 3,376,104.4 | 1,112,388.3 | 368,537.1 | 282,188.7 | 145,386.4 | 290,787.9 | 88,393.7 | 233,199.4 | 45,073,479.5 | | Caja | 690,348.3 | 583,019.6 | 2,228,886.8 | 377,182.5 | 304,013.5 | 183,448.4 | 327.5 | 5,285.8 | 9,093.6 | 534.7 | 6,083.3 | 27,963.5 | 4,416,187.5 | | Banco Central de Nicaragua | 4,544,518.8 | 3,562,459.1 | 4,289,319.0 | 2,114,143.9 | 1,594,879.8 | 418,206.9 | 2,322.7 | 131,913.7 | 35,530.7 | 16.9 | 862.9 | 0.0 | 16,694,174.2 | | Instituciones Financieras | 7,667,352.1 | 2,892,215.4 | 5,745,122.4 | 1,896,480.6 | 740,236.1 | 114,541.6 | 362,503.2 | 9,650.9 | 100,762.1 | 290,236.3 | 81,447.6 | 205,235.9 | 20,105,784.2 | | Depósitos Restringidos | 309,893.4 | 380,690.3 | 0.0 | 31,904.8 | 94,746.7 | 3,546.6 | 3,383.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 824,165.6 | | Equivalentes de Efectivo | 0.0 | 0.0 | 1,862,956.6 | 0.0 | 642,228.3 | 392,644.9 | 0.0 | 135,338.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3,033,168.1 | | 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 | 2,305,051.6 | 12,285,782.1 | 825,986.9 | 116,138.4 | 2,269,691.3 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 17,809,650.3 | | Cartera a Costo Amortizado | 44,306,819.7 | 31,649,204.7 | 27,848,105.0 | 14,423,779.1 | 6,676,871.2 | 3,526,850.7 | 5,684,973.9 | 129,399.4 | 1,136,478.0 | 439,237.8 | 1,155,059.5 | 2,177,465.5 | 139,154,244.3 | | Inversiones a Costo Amortizado, Neto | 5,763,243.2 | 5,650,458.3 | 0.0 | 673,776.0 | 0.0 | 343,942.7 | 3,036,840.7 | 101,667.6 | 343.3 | 0.0 | 0.0 | 118,648.9 | 15,688,920.8 | | Cartera de Créditos, Neta | 38,543,576.4 | 25,998,746.3 | 27,848,105.0 | 13,750,003.1 | 6,676,871.2 | 3,182,908.0 | 2,648,133.2 | 27,731.7 | 1,136,134.7 | 439,237.8 | 1,155,059.5 | 2,058,816.6 | 123,465,323.5 | | Vigentes | 36,354,476.2 | 22,914,076.2 | 26,181,660.7 | 12,777,313.1 | 5,853,413.5 | 2,845,671.5 | 2,659,004.1 | 28,139.2 | 1,044,799.6 | 340,822.9 | 932,251.9 | 1,869,737.6 | 113,801,366.5 | | Prorrogados | 47,507.2 | 130,580.4 | 761,535.8 | 0.0 | 0.0 | 7,018.1 | 0.0 | 0.0 | 0.0 | 1,545.2 | 0.0 | 338.4 | 948,525.1 | | Reestructurados | 2,340,837.3 | 3,250,473.4 | 1,750,119.7 | 945,690.6 | 841,071.4 | 430,637.2 | 41,007.2 | 0.0 | 190,135.3 | 117,152.5 | 184,719.6 | 275,634.2 | 10,367,478.5 | | Vencidos | 546,277.6 | 505,268.0 | 476,358.8 | 314,111.9 | 202,365.7 | 69,495.7 | 7,329.2 | 0.0 | 53,327.5 | 69,026.3 | 164,447.1 | 153,122.2 | 2,561,130.1 | | Cobro Judicial | 360,519.2 | 418,718.7 | 451,962.8 | 163,218.6 | 61,660.9 | 32,803.1 | 106,851.6 | 0.0 | 0.0 | 37,146.3 | 1,763.0 | 3,853.2 | 1,638,497.3 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -80,702.3 | -111,722.9 | -134,683.6 | -12,790.3 | -16,059.1 | -15,204.8 | -2,363.7 | -209.4 | -1,155.9 | -2,309.7 | -11,018.3 | 0.0 | -388,220.1 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 616,888.4 | 436,262.7 | 326,981.7 | 155,162.7 | 122,591.3 | 68,067.0 | 39,615.4 | 84.1 | 24,727.2 | 16,901.7 | 99,984.5 | 99,103.6 | 2,006,370.4 | | (-) Provisión de Cartera de Créditos | -1,642,227.3 | -1,544,910.1 | -1,965,830.9 | -592,703.5 | -388,172.4 | -255,579.7 | -203,310.5 | -282.2 | -175,699.0 | -141,047.5 | -217,088.3 | -342,972.6 | -7,469,824.2 | | Cuentas por Cobrar, Neto | 144,915.0 | 760,913.2 | 119,534.8 | 118,384.4 | 207,683.6 | 35,542.6 | 2,895.7 | 4,732.7 | 28,322.9 | 5,422.2 | 2,695.0 | 14,286.5 | 1,445,328.6 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 55,529.9 | 0.0 | 1,969.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 57,499.2 | | Activos Recibidos en Recuperación de Créditos | 243,812.5 | 473,733.5 | 30,680.8 | 112,076.2 | 30,888.2 | 6,382.2 | 0.0 | 0.0 | 8,930.0 | 22,825.5 | 1,889.5 | 3,199.4 | 934,417.7 | | Participaciones | 267,865.4 | 1,810,915.7 | 68,986.6 | 28,874.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,176,642.4 | | Activo Material | 1,683,171.9 | 860,785.1 | 1,148,757.0 | 355,157.0 | 423,183.2 | 286,442.6 | 155,025.1 | 13,238.2 | 109,541.1 | 46,951.9 | 43,821.4 | 70,022.0 | 5,196,096.4 | | Activos Intangibles | 151,765.9 | 149,804.5 | 12,902.7 | 41,724.8 | 193,163.4 | 52,537.4 | 43,972.4 | 8,168.3 | 31,432.8 | 0.0 | 9,629.3 | 18,687.1 | 713,788.7 | | Activos Fiscales | 0.0 | 7,435.2 | 42.6 | 66,751.2 | 87,914.2 | 1,581.1 | 0.0 | 0.0 | 11,431.1 | 3,223.2 | 0.0 | 14,265.7 | 192,644.2 | | Otros Activos | 134,348.2 | 137,607.8 | 19,045.2 | 57,463.0 | 24,863.2 | 7,245.8 | 10,290.6 | 11,299.4 | 2,413.6 | 1,094.5 | 3,010.6 | 14,162.0 | 422,844.0 | | Pasivo | 57,977,984.4 | 48,687,027.0 | 37,774,260.9 | 18,313,687.7 | 11,910,193.0 | 4,430,186.3 | 1,519,285.8 | 74,597.5 | 1,152,795.1 | 764,540.5 | 1,235,615.9 | 2,246,706.6 | 186,086,880.6 | | Pasivos Financieros a Costo Amortizado | 56,225,082.8 | 45,573,376.7 | 36,896,746.8 | 17,794,248.9 | 11,267,662.8 | 4,331,743.0 | 1,377,233.5 | 60,342.0 | 1,084,707.9 | 631,368.3 | 1,201,716.6 | 1,973,545.3 | 178,417,774.5 | | Obligaciones con el Público | 39,608,208.8 | 32,637,610.9 | 30,452,015.9 | 10,090,634.1 | 7,028,711.1 | 3,532,094.3 | 0.0 | 60,342.0 | 0.0 | 0.0 | 0.0 | 0.0 | 123,409,617.1 | | Moneda Nacional | 14,944,924.1 | 9,785,157.8 | 7,805,803.7 | 1,820,262.0 | 965,488.6 | 833,866.4 | 0.0 | 3,873.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,159,376.4 | | Depósitos a la Vista | 8,158,177.7 | 5,717,679.5 | 5,272,124.1 | 372,739.4 | 751,806.3 | 644,612.9 | 0.0 | 3,819.5 | 0.0 | 0.0 | 0.0 | 0.0 | 20,920,959.4 | | Depósitos de Ahorro | 6,095,938.7 | 3,478,626.3 | 2,355,595.3 | 1,317,134.7 | 143,914.6 | 163,715.5 | 0.0 | 54.3 | 0.0 | 0.0 | 0.0 | 0.0 | 13,554,979.5 | | Depósitos a Plazo | 690,807.7 | 588,852.1 | 178,084.3 | 130,387.9 | 69,767.6 | 25,538.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,683,437.6 | | 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 | 24,474,029.2 | 22,699,494.2 | 22,543,127.1 | 8,178,717.0 | 5,997,426.4 | 2,678,627.7 | 0.0 | 56,463.6 | 0.0 | 0.0 | 0.0 | 0.0 | 86,627,885.0 | | Depósitos a la Vista | 6,081,372.4 | 6,442,842.8 | 6,950,526.8 | 889,779.1 | 1,710,618.6 | 673,428.2 | 0.0 | 50,269.8 | 0.0 | 0.0 | 0.0 | 0.0 | 22,798,837.6 | | Depósitos de Ahorro | 10,935,681.7 | 9,953,973.7 | 10,421,835.4 | 4,105,172.6 | 1,270,845.9 | 950,481.4 | 0.0 | 580.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37,638,570.6 | | Depósitos a Plazo | 7,456,975.1 | 6,302,677.7 | 5,170,765.0 | 3,183,765.3 | 3,015,961.9 | 1,054,718.1 | 0.0 | 5,613.8 | 0.0 | 0.0 | 0.0 | 0.0 | 26,190,476.9 | | 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 | 189,255.6 | 152,958.9 | 103,085.1 | 91,655.1 | 65,796.1 | 19,600.2 | 0.0 | 4.6 | 0.0 | 0.0 | 0.0 | 0.0 | 622,355.7 | | Otras Obligaciones Diversas con el Público | 1,080,435.0 | 336,144.8 | 174,525.9 | 2,137,608.3 | 70,443.7 | 39,754.5 | 9,080.4 | 0.0 | 3,253.1 | 2,076.4 | 0.0 | 0.0 | 3,853,322.2 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,130,508.1 | 1,724,383.2 | 4,689,576.0 | 1,102,656.2 | 1,512,397.4 | 527,208.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,686,729.6 | | Obligaciones por Emisión de Deuda | 68,235.4 | 0.0 | 0.0 | 14,576.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,416.9 | 0.0 | 0.0 | 0.0 | 86,228.3 | | Pasivos por Operaciones de Reporto | 2,614,429.0 | 0.0 | 0.0 | 564,062.2 | 356,517.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,535,009.1 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,105,669.5 | 10,776,439.4 | 1,580,629.0 | 3,655,775.9 | 1,974,158.8 | 232,685.6 | 1,368,153.0 | 0.0 | 1,078,037.9 | 629,291.9 | 1,201,716.6 | 1,973,545.3 | 34,576,102.8 | | Obligaciones con el Banco Central de Nicaragua | 617,597.0 | 98,798.3 | 0.0 | 228,936.2 | 325,433.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,270,765.4 | | 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 | 141,785.3 | 115,018.1 | 214,926.0 | 44,890.5 | 64,217.4 | 36,780.5 | 99,261.1 | 86.7 | 18,579.8 | 5,238.1 | 3,757.7 | 18,956.7 | 763,497.9 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,043,650.6 | 2,443,128.8 | 0.0 | 368,964.0 | 350,914.5 | 0.0 | 0.0 | 0.0 | 0.0 | 102,974.5 | 0.0 | 182,437.2 | 4,492,069.6 | | Otros Pasivos y Provisiones | 567,465.7 | 555,503.4 | 662,588.1 | 105,584.3 | 227,398.3 | 61,662.8 | 42,791.2 | 14,168.8 | 49,507.4 | 24,959.6 | 30,141.7 | 71,767.3 | 2,413,538.6 | | PATRIMONIO | 9,370,901.0 | 9,567,669.8 | 10,653,985.5 | 2,499,373.3 | 1,870,648.5 | 1,000,275.5 | 4,764,977.0 | 380,674.9 | 356,261.1 | 95,595.7 | 274,997.2 | 470,974.3 | 41,306,333.6 | | Fondos Propios | 9,225,004.7 | 9,067,751.9 | 10,262,595.3 | 2,484,016.0 | 1,638,490.7 | 945,068.7 | 4,642,403.7 | 380,674.9 | 318,869.4 | 89,252.8 | 272,113.5 | 433,555.2 | 39,759,796.7 | | 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 | 3,757,929.1 | 416,478.1 | 345,032.0 | 300,360.0 | 394,748.3 | 622,320.9 | 19,780,893.8 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 24,535.1 | 8,196.3 | 50,508.2 | 83,240.5 | | 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 | 257,599.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 257,599.4 | | Reservas Patrimoniales | 1,711,973.0 | 1,676,386.5 | 1,680,969.5 | 466,142.4 | 300,105.9 | 69,414.5 | 409,546.7 | 0.0 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 6,381,948.5 | | Resultados Acumulados | 2,755,430.7 | 2,037,478.0 | 4,733,307.3 | 776,474.8 | 444,536.4 | 28,056.7 | 0.0 | -1,522.7 | 80,826.1 | -120,903.3 | -83,918.6 | -115,389.0 | 10,534,376.4 | | Resultado del Ejercicio | 829,101.1 | 1,085,014.8 | 993,318.4 | 67,838.8 | 14,145.9 | 9,206.2 | 217,328.5 | -34,280.6 | -146,982.5 | -128,516.8 | -52,486.9 | -131,948.8 | 2,721,738.1 | | Otro Resultado Integral Neto | 3,241.0 | 25,414.0 | 38,118.4 | 1,538.7 | 8,837.1 | 1,503.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,805.8 | 4,241.5 | 84,700.3 | | Ajustes de Transición | 142,655.3 | 474,503.9 | 353,271.8 | 13,818.6 | 223,320.7 | 53,703.1 | 122,573.3 | 0.0 | 37,391.8 | 6,342.8 | 1,077.9 | 33,177.5 | 1,461,836.6 | | CUENTAS CONTINGENTES | 18,470,753.2 | 12,488,935.8 | 8,150,825.0 | 1,133,025.1 | 5,982,126.0 | 264,130.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 46,489,795.6 | | CUENTAS DE ORDEN | 95,924,831.9 | 49,798,102.9 | 255,819,625.7 | 63,742,809.6 | 22,817,026.0 | 13,869,484.4 | 8,519,890.9 | 28,924.3 | 2,241,179.8 | 2,754,201.1 | 2,570,492.1 | 3,454,139.3 | 521,540,708.2 |
| | 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 DICIEMBRE DE 2019 C$ 33.8381 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. |
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