| | 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 | 68,453,865.2 | 58,817,507.7 | 48,928,281.1 | 20,102,454.0 | 13,953,594.3 | 5,463,516.1 | 6,325,216.2 | 431,976.0 | 1,555,902.5 | 864,701.4 | 1,532,819.0 | 2,713,042.2 | 229,142,875.7 | | Efectivo y Equivalentes de Efectivo | 18,905,133.1 | 10,115,961.9 | 18,933,980.6 | 4,933,792.9 | 3,519,863.9 | 1,554,430.2 | 363,285.9 | 269,136.2 | 217,654.3 | 371,787.4 | 370,214.1 | 488,463.5 | 60,043,704.0 | | Moneda Nacional | 5,778,947.5 | 3,473,955.8 | 4,209,396.9 | 832,550.2 | 478,987.2 | 371,845.5 | 15,818.1 | 6,256.0 | 26,902.6 | 54,168.4 | 259,490.6 | 184,964.0 | 15,693,282.7 | | Caja | 1,663,094.9 | 1,050,127.4 | 1,692,704.6 | 260,061.3 | 161,531.6 | 146,577.2 | 138.9 | 1,796.9 | 13,783.9 | 7,395.1 | 17,771.7 | 62,391.2 | 5,077,374.6 | | Banco Central de Nicaragua | 2,657,599.4 | 2,292,614.9 | 2,344,195.9 | 403,823.0 | 294,392.7 | 114,223.8 | 10.8 | 3,917.7 | 5,020.4 | 8.3 | 99.4 | 0.0 | 8,115,906.3 | | Instituciones Financieras | 158,369.4 | 131,213.4 | 172,496.4 | 68,679.3 | 23,062.9 | 18,142.2 | 15,668.5 | 541.3 | 8,098.4 | 46,765.0 | 171,627.4 | 122,572.9 | 937,237.1 | | 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 | 1,299,883.8 | 0.0 | 0.0 | 99,986.6 | 0.0 | 92,902.3 | 0.0 | 0.0 | 0.0 | 0.0 | 69,992.1 | 0.0 | 1,562,764.7 | | Moneda Extranjera | 13,126,185.6 | 6,642,006.2 | 14,724,583.7 | 4,101,242.7 | 3,040,876.7 | 1,182,584.7 | 347,467.8 | 262,880.2 | 190,751.7 | 317,618.9 | 110,723.6 | 303,499.4 | 44,350,421.2 | | Caja | 966,239.5 | 568,748.9 | 1,980,728.2 | 310,952.7 | 257,731.5 | 119,084.3 | 729.8 | 5,395.3 | 11,961.6 | 743.0 | 6,155.2 | 24,639.4 | 4,253,109.5 | | Banco Central de Nicaragua | 4,161,791.1 | 3,690,708.1 | 3,589,058.7 | 2,170,370.9 | 1,161,591.7 | 519,074.3 | 2,292.9 | 115,100.8 | 111,267.8 | 17.0 | 865.0 | 0.0 | 15,522,138.3 | | Instituciones Financieras | 7,687,193.1 | 1,937,867.3 | 6,778,276.3 | 1,587,894.4 | 780,499.7 | 97,123.6 | 341,052.8 | 6,738.2 | 67,522.3 | 316,859.0 | 103,703.3 | 278,860.0 | 19,983,590.0 | | Depósitos Restringidos | 310,961.9 | 444,681.9 | 0.0 | 32,024.7 | 94,984.1 | 3,559.9 | 3,392.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 889,604.8 | | Equivalentes de Efectivo | 0.0 | 0.0 | 2,376,520.6 | 0.0 | 746,069.6 | 443,742.7 | 0.0 | 135,645.8 | 0.0 | 0.0 | 0.0 | 0.0 | 3,701,978.7 | | 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 | 2,329,088.3 | 13,112,225.2 | 826,718.1 | 115,569.6 | 2,680,104.3 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 19,070,705.5 | | Cartera a Costo Amortizado | 44,572,365.1 | 31,288,736.9 | 27,735,721.5 | 14,241,864.6 | 6,823,795.6 | 3,516,321.4 | 5,749,450.9 | 125,762.3 | 1,148,731.4 | 413,137.4 | 1,102,240.3 | 2,098,082.0 | 138,816,209.5 | | Inversiones a Costo Amortizado, Neto | 5,804,909.1 | 5,339,830.5 | 0.0 | 677,683.6 | 0.0 | 380,970.2 | 3,115,149.8 | 101,917.1 | 346.1 | 0.0 | 0.0 | 119,246.7 | 15,540,053.1 | | Cartera de Créditos, Neta | 38,767,456.0 | 25,948,906.4 | 27,735,721.5 | 13,564,180.9 | 6,823,795.6 | 3,135,351.2 | 2,634,301.1 | 23,845.2 | 1,148,385.3 | 413,137.4 | 1,102,240.3 | 1,978,835.4 | 123,276,156.4 | | Vigentes | 36,533,399.5 | 22,819,026.1 | 25,970,274.6 | 12,572,858.5 | 6,011,073.1 | 2,796,450.1 | 2,634,461.2 | 24,191.8 | 1,061,227.2 | 319,755.5 | 907,894.8 | 1,825,065.8 | 113,475,678.2 | | Prorrogados | 52,585.8 | 133,320.1 | 818,652.5 | 0.0 | 0.0 | 5,824.6 | 0.0 | 0.0 | 0.0 | 1,219.5 | 0.0 | 339.2 | 1,011,941.7 | | Reestructurados | 2,302,105.6 | 3,260,997.9 | 1,797,474.7 | 977,220.1 | 840,494.7 | 445,825.6 | 41,110.0 | 0.0 | 179,317.5 | 109,399.8 | 170,553.6 | 249,360.2 | 10,373,859.7 | | Vencidos | 587,231.6 | 517,831.5 | 464,254.6 | 252,884.8 | 193,168.8 | 64,834.1 | 6,274.1 | 0.0 | 57,241.3 | 54,726.6 | 115,660.4 | 122,757.1 | 2,436,864.9 | | Cobro Judicial | 365,059.6 | 423,497.6 | 442,948.8 | 205,079.0 | 22,020.3 | 31,678.2 | 106,649.4 | 0.0 | 0.0 | 37,226.1 | 1,767.4 | 3,173.8 | 1,639,100.2 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -78,677.8 | -109,687.2 | -131,390.9 | -12,224.8 | -10,668.4 | -15,156.2 | -2,223.7 | -173.5 | -1,077.6 | -2,164.9 | -11,229.9 | 0.0 | -374,674.8 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 672,185.3 | 449,246.8 | 334,797.1 | 159,955.5 | 119,138.7 | 66,045.7 | 45,980.3 | 69.5 | 23,339.3 | 15,896.2 | 85,938.8 | 79,872.0 | 2,052,465.1 | | (-) Provisión de Cartera de Créditos | -1,666,433.6 | -1,545,326.5 | -1,961,289.9 | -591,592.2 | -351,431.6 | -260,150.7 | -197,950.1 | -242.6 | -171,662.4 | -122,921.3 | -168,344.8 | -301,732.7 | -7,339,078.6 | | Cuentas por Cobrar, Neto | 144,011.6 | 755,655.4 | 139,335.3 | 118,572.1 | 166,149.6 | 29,418.6 | 1,504.0 | 4,744.6 | 20,715.8 | 5,798.1 | 2,025.5 | 8,125.5 | 1,396,056.1 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 54,811.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 54,811.9 | | Activos Recibidos en Recuperación de Créditos | 233,405.0 | 408,012.3 | 31,888.3 | 109,002.6 | 26,955.7 | 6,555.5 | 0.0 | 0.0 | 8,675.9 | 22,680.7 | 1,889.5 | 3,663.8 | 852,729.1 | | Participaciones | 267,865.4 | 1,852,340.0 | 70,764.3 | 30,339.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,221,309.6 | | Activo Material | 1,663,982.4 | 861,505.3 | 1,143,789.1 | 356,882.2 | 419,734.1 | 284,179.5 | 154,296.1 | 13,031.4 | 109,006.0 | 46,450.3 | 43,189.0 | 68,078.8 | 5,164,124.4 | | Activos Intangibles | 143,255.3 | 150,993.0 | 12,218.4 | 41,898.4 | 195,211.6 | 51,416.1 | 43,178.5 | 8,119.7 | 30,704.2 | 0.0 | 9,533.8 | 17,527.2 | 704,056.1 | | Activos Fiscales | 11,725.1 | 65,770.4 | 89.9 | 67,386.0 | 92,647.4 | 1,695.4 | 1,194.5 | 0.0 | 12,527.9 | 3,421.4 | 79.2 | 14,270.9 | 270,808.1 | | Otros Activos | 183,033.8 | 151,495.4 | 33,775.6 | 87,145.7 | 29,132.2 | 12,749.5 | 12,056.4 | 11,181.8 | 7,887.0 | 1,426.0 | 3,647.6 | 14,830.5 | 548,361.5 | | Pasivo | 59,007,052.3 | 49,119,445.5 | 38,346,535.2 | 17,593,102.0 | 12,080,513.6 | 4,462,561.3 | 1,530,621.7 | 56,128.1 | 1,196,033.5 | 768,279.7 | 1,237,356.8 | 2,233,656.0 | 187,631,285.6 | | Pasivos Financieros a Costo Amortizado | 57,266,468.7 | 45,976,215.8 | 37,475,460.6 | 17,041,777.1 | 11,447,991.2 | 4,354,767.9 | 1,379,589.8 | 42,087.0 | 1,128,875.3 | 633,556.7 | 1,199,073.0 | 1,963,135.3 | 179,908,998.4 | | Obligaciones con el Público | 40,435,057.3 | 32,793,674.1 | 30,938,659.5 | 10,119,413.9 | 7,367,837.7 | 3,525,871.3 | 0.0 | 10,248.2 | 0.0 | 0.0 | 0.0 | 0.0 | 125,190,762.1 | | Moneda Nacional | 15,275,766.1 | 9,351,657.1 | 8,039,678.0 | 1,832,654.9 | 989,118.6 | 780,162.4 | 0.0 | 1,652.2 | 0.0 | 0.0 | 0.0 | 0.0 | 36,270,689.3 | | Depósitos a la Vista | 7,823,593.8 | 5,326,823.1 | 5,217,446.0 | 396,550.3 | 771,037.2 | 588,218.5 | 0.0 | 1,560.1 | 0.0 | 0.0 | 0.0 | 0.0 | 20,125,229.0 | | Depósitos de Ahorro | 6,206,836.4 | 3,489,232.5 | 2,514,644.9 | 1,304,314.7 | 154,190.7 | 170,011.9 | 0.0 | 92.1 | 0.0 | 0.0 | 0.0 | 0.0 | 13,839,323.2 | | Depósitos a Plazo | 1,245,335.9 | 535,601.5 | 307,587.1 | 131,789.9 | 63,890.7 | 21,931.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,306,137.0 | | 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 | 0.0 | 0.0 | | Moneda Extranjera | 24,973,771.5 | 23,290,059.7 | 22,793,145.7 | 8,191,994.9 | 6,329,128.2 | 2,727,723.2 | 0.0 | 8,584.7 | 0.0 | 0.0 | 0.0 | 0.0 | 88,314,407.9 | | Depósitos a la Vista | 6,392,865.5 | 7,106,321.3 | 6,869,898.2 | 875,907.6 | 1,711,115.8 | 721,399.1 | 0.0 | 1,753.1 | 0.0 | 0.0 | 0.0 | 0.0 | 23,679,260.5 | | Depósitos de Ahorro | 11,198,535.1 | 10,124,709.6 | 10,742,409.2 | 4,045,462.2 | 1,315,716.8 | 987,253.2 | 0.0 | 864.5 | 0.0 | 0.0 | 0.0 | 0.0 | 38,414,950.7 | | Depósitos a Plazo | 7,382,370.9 | 6,059,028.8 | 5,180,838.3 | 3,270,625.2 | 3,302,295.6 | 1,019,070.9 | 0.0 | 5,967.1 | 0.0 | 0.0 | 0.0 | 0.0 | 26,220,196.7 | | 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 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 185,519.7 | 151,957.4 | 105,835.8 | 94,764.0 | 49,590.9 | 17,985.7 | 0.0 | 11.4 | 0.0 | 0.0 | 0.0 | 0.0 | 605,664.9 | | Otras Obligaciones Diversas con el Público | 1,058,310.7 | 350,000.2 | 278,307.0 | 1,481,711.2 | 73,030.4 | 45,381.0 | 7,122.4 | 0.0 | 3,323.4 | 2,615.9 | 0.0 | 0.0 | 3,299,802.2 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,172,618.2 | 2,631,244.9 | 4,707,295.0 | 1,179,609.5 | 1,641,156.8 | 549,070.4 | 0.0 | 31,838.8 | 0.0 | 0.0 | 0.0 | 0.0 | 12,912,833.7 | | Obligaciones por Emisión de Deuda | 68,273.5 | 0.0 | 0.0 | 14,686.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3,444.9 | 0.0 | 0.0 | 0.0 | 86,404.7 | | Pasivos por Operaciones de Reporto | 2,636,263.8 | 0.0 | 0.0 | 546,184.4 | 423,141.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,605,589.7 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,243,355.8 | 10,105,654.6 | 1,551,199.1 | 3,511,747.8 | 1,707,652.6 | 234,445.1 | 1,372,467.4 | 0.0 | 1,122,106.9 | 630,940.9 | 1,199,073.0 | 1,963,135.3 | 33,641,778.5 | | Obligaciones con el Banco Central de Nicaragua | 652,589.4 | 95,642.0 | 0.0 | 188,424.1 | 235,172.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,171,827.6 | | 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 | 129,678.5 | 130,561.4 | 191,089.5 | 50,369.3 | 63,400.5 | 38,221.1 | 104,755.1 | 86.7 | 19,658.8 | 5,399.8 | 3,866.6 | 18,332.3 | 755,419.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,019,532.5 | 2,466,505.3 | 0.0 | 372,630.7 | 337,766.0 | 0.0 | 0.0 | 0.0 | 0.0 | 103,252.8 | 0.0 | 183,749.1 | 4,483,436.4 | | Otros Pasivos y Provisiones | 591,372.6 | 546,163.1 | 679,985.2 | 128,324.9 | 231,355.9 | 69,572.3 | 46,276.8 | 13,954.4 | 47,499.4 | 26,070.3 | 34,417.2 | 68,439.4 | 2,483,431.4 | | PATRIMONIO | 9,446,812.9 | 9,698,062.2 | 10,581,745.9 | 2,509,351.9 | 1,873,080.7 | 1,000,954.9 | 4,794,594.6 | 375,847.9 | 359,869.0 | 96,421.7 | 295,462.2 | 479,386.2 | 41,511,590.0 | | Fondos Propios | 9,298,304.5 | 9,160,306.2 | 10,196,521.1 | 2,493,487.6 | 1,639,567.8 | 945,924.5 | 4,672,021.3 | 375,847.9 | 317,427.2 | 90,078.9 | 294,384.3 | 441,967.1 | 39,925,838.3 | | 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 | 3,757,929.1 | 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 | 1,829,967.3 | 466,142.4 | 300,105.9 | 70,795.5 | 409,546.7 | 0.0 | 0.0 | 13,777.9 | 5,574.3 | 8,063.9 | 6,492,333.4 | | Resultados Acumulados | 3,585,135.7 | 3,122,492.8 | 5,408,219.0 | 845,250.1 | 458,682.3 | 35,882.0 | 217,328.5 | -35,803.2 | -31,212.7 | -249,420.2 | -134,599.7 | -247,337.8 | 12,974,616.8 | | Resultado del Ejercicio | 72,695.8 | 92,554.3 | 103,334.8 | 8,535.1 | 1,077.1 | 855.8 | 29,617.6 | -4,827.0 | 3,607.9 | 826.0 | 20,465.0 | 8,411.9 | 337,154.4 | | Otro Resultado Integral Neto | 6,457.1 | 63,252.1 | 31,953.1 | 2,982.3 | 10,192.2 | 1,327.3 | 0.0 | 0.0 | 5,050.1 | 0.0 | 0.0 | 4,241.5 | 125,455.7 | | Ajustes de Transición | 142,051.3 | 474,503.9 | 353,271.8 | 12,882.1 | 223,320.7 | 53,703.1 | 122,573.3 | 0.0 | 37,391.8 | 6,342.8 | 1,077.9 | 33,177.5 | 1,460,296.1 | | CUENTAS CONTINGENTES | 18,095,401.9 | 12,625,321.6 | 7,810,197.1 | 1,032,026.1 | 6,064,908.5 | 301,469.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 45,929,324.9 | | CUENTAS DE ORDEN | 96,533,742.0 | 46,502,226.5 | 255,984,431.2 | 62,932,858.7 | 20,394,305.9 | 13,844,543.3 | 8,276,052.3 | 33,014.9 | 2,247,756.8 | 2,705,018.2 | 2,540,802.9 | 3,473,702.1 | 515,468,454.8 |
| | 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 2020 C$ 33.9229 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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