| | | 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 | 68,733,502.2 | 57,663,468.2 | 51,443,875.3 | 18,436,030.4 | 15,131,845.1 | 5,512,123.9 | 6,419,165.2 | 418,919.1 | 1,540,688.0 | 560,788.1 | 1,472,378.9 | 2,422,757.9 | 229,755,542.2 | | Efectivo y Equivalentes de Efectivo | 20,715,162.4 | 10,710,676.7 | 21,529,179.0 | 4,163,862.1 | 3,260,513.8 | 1,472,003.9 | 428,767.2 | 156,925.1 | 353,078.7 | 176,508.4 | 501,866.5 | 295,125.3 | 63,763,669.2 | | Moneda Nacional | 5,341,783.8 | 2,433,758.4 | 4,210,725.1 | 826,791.4 | 691,912.0 | 371,020.1 | 76,762.4 | 2,941.7 | 72,401.5 | 70,686.1 | 348,723.3 | 113,190.4 | 14,560,696.1 | | Caja | 1,551,543.1 | 869,466.7 | 1,729,893.5 | 287,698.0 | 208,638.8 | 148,426.2 | 166.0 | 1,175.3 | 12,232.0 | 5,879.1 | 15,667.1 | 63,054.7 | 4,893,840.5 | | Banco Central de Nicaragua | 2,120,283.7 | 1,382,419.8 | 2,304,544.7 | 410,581.3 | 455,363.3 | 120,582.3 | 29.4 | 1,372.1 | 46,027.9 | 8.3 | 99.4 | 0.0 | 6,841,312.3 | | Instituciones Financieras | 119,679.9 | 181,871.8 | 176,286.9 | 48,521.2 | 27,909.9 | 11,985.4 | 76,566.9 | 394.3 | 14,141.6 | 64,798.7 | 121,888.7 | 50,135.7 | 894,181.0 | | 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 | 1,550,277.1 | 0.0 | 0.0 | 79,990.9 | 0.0 | 90,026.2 | 0.0 | 0.0 | 0.0 | 0.0 | 211,068.1 | 0.0 | 1,931,362.3 | | Moneda Extranjera | 15,373,378.6 | 8,276,918.3 | 17,318,453.9 | 3,337,070.8 | 2,568,601.8 | 1,100,983.8 | 352,004.9 | 153,983.4 | 280,677.2 | 105,822.4 | 153,143.3 | 181,934.9 | 49,202,973.1 | | Caja | 1,042,143.8 | 426,868.8 | 1,652,820.8 | 199,746.7 | 230,708.4 | 192,118.1 | 1,052.3 | 11,355.5 | 10,669.7 | 971.8 | 7,646.7 | 27,513.0 | 3,803,615.6 | | Banco Central de Nicaragua | 4,614,923.7 | 3,543,231.3 | 6,102,053.2 | 2,006,144.0 | 1,393,459.9 | 378,344.7 | 4,992.4 | 139,656.1 | 117,155.5 | 17.1 | 873.5 | 0.0 | 18,300,851.6 | | Instituciones Financieras | 7,345,961.4 | 1,561,822.0 | 6,821,624.9 | 1,098,746.4 | 848,516.7 | 232,165.9 | 342,534.6 | 2,971.8 | 152,851.9 | 104,833.4 | 110,288.7 | 154,421.9 | 18,776,739.7 | | Depósitos Restringidos | 314,911.7 | 790,942.4 | 0.0 | 32,433.7 | 95,916.8 | 3,605.4 | 3,425.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,241,235.5 | | Equivalentes de Efectivo | 2,055,438.0 | 1,954,053.8 | 2,741,954.9 | 0.0 | 0.0 | 294,749.7 | 0.0 | 0.0 | 0.0 | 0.0 | 34,334.3 | 0.0 | 7,080,530.8 | | 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 | 2,187,987.5 | 14,787,104.9 | 1,526,491.1 | 118,566.4 | 4,496,624.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 23,123,774.7 | | Cartera a Costo Amortizado | 42,918,656.0 | 27,904,668.2 | 26,927,751.1 | 13,332,464.7 | 6,509,175.8 | 3,660,659.5 | 5,812,408.7 | 220,950.0 | 990,972.6 | 312,730.3 | 912,785.6 | 2,008,317.9 | 131,511,540.4 | | Inversiones a Costo Amortizado, Neto | 5,893,686.3 | 4,415,590.9 | 0.0 | 584,762.7 | 0.0 | 511,978.7 | 3,299,223.2 | 0.0 | 357.5 | 0.0 | 0.0 | 120,913.1 | 14,826,512.4 | | Cartera de Créditos, Neta | 37,024,969.6 | 23,489,077.4 | 26,927,751.1 | 12,747,702.0 | 6,509,175.8 | 3,148,680.8 | 2,513,185.6 | 220,950.0 | 990,615.1 | 312,730.3 | 912,785.6 | 1,887,404.7 | 116,685,027.9 | | Vigentes | 34,661,823.3 | 20,096,674.4 | 23,578,288.7 | 11,560,233.9 | 5,728,063.2 | 2,789,901.0 | 2,485,625.6 | 223,726.6 | 858,897.2 | 238,376.4 | 831,316.7 | 1,721,114.1 | 104,774,041.0 | | Prorrogados | 203,957.0 | 51,950.5 | 619,029.6 | 94,584.5 | 7,408.3 | 5,657.5 | 54.0 | 0.0 | 49,677.0 | 417.9 | 0.0 | 19,356.5 | 1,052,092.8 | | Reestructurados | 2,309,086.6 | 3,558,443.8 | 3,455,834.0 | 1,019,380.8 | 738,936.4 | 454,923.2 | 46,105.5 | 0.0 | 151,918.8 | 95,886.3 | 93,795.8 | 163,934.1 | 12,088,245.2 | | Vencidos | 531,400.1 | 473,114.9 | 600,557.6 | 305,600.2 | 256,355.0 | 85,387.3 | 13,533.1 | 0.0 | 78,446.6 | 46,286.4 | 125,257.1 | 146,804.7 | 2,662,742.8 | | Cobro Judicial | 453,750.7 | 476,528.5 | 653,242.8 | 217,266.8 | 25,448.8 | 30,054.8 | 7,153.0 | 0.0 | 0.0 | 34,352.4 | 3,878.2 | 4,808.6 | 1,906,484.6 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -72,777.1 | -97,261.8 | -124,241.7 | -11,370.1 | -8,144.7 | -14,164.2 | -1,802.7 | -1,407.3 | -706.7 | -1,664.7 | -11,015.3 | 0.0 | -344,556.3 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 568,788.2 | 419,940.6 | 300,902.2 | 148,168.3 | 136,942.1 | 62,551.6 | 51,709.0 | 876.7 | 22,597.4 | 9,945.2 | 49,494.0 | 79,207.2 | 1,851,122.5 | | (-) Provisión de Cartera de Créditos | -1,631,059.1 | -1,490,313.6 | -2,155,862.1 | -586,162.3 | -375,833.3 | -265,630.4 | -89,191.8 | -2,246.0 | -170,215.1 | -110,869.6 | -179,940.8 | -247,820.5 | -7,305,144.6 | | Cuentas por Cobrar, Neto | 219,800.0 | 725,080.9 | 136,124.5 | 142,350.6 | 97,511.2 | 24,029.1 | 1,897.0 | 4,791.0 | 31,395.6 | 3,074.9 | 1,385.0 | 10,276.2 | 1,397,716.1 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 34,801.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 34,801.3 | | Activos Recibidos en Recuperación de Créditos | 412,229.2 | 403,638.2 | 39,342.8 | 106,537.2 | 22,812.7 | 6,528.1 | 0.0 | 0.0 | 7,760.9 | 21,025.2 | 1,521.7 | 3,838.0 | 1,025,233.9 | | Participaciones | 267,865.4 | 1,936,124.0 | 72,989.3 | 29,490.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,306,469.5 | | Activo Material | 1,602,666.9 | 839,908.2 | 1,139,099.0 | 341,885.6 | 411,647.7 | 277,313.8 | 152,971.6 | 13,895.6 | 104,469.3 | 44,421.1 | 41,097.1 | 60,156.7 | 5,029,532.7 | | Activos Intangibles | 174,797.0 | 141,793.4 | 9,481.2 | 35,981.3 | 184,713.9 | 45,088.0 | 12,569.9 | 10,244.2 | 33,221.2 | 0.0 | 11,120.3 | 20,172.6 | 679,183.2 | | Activos Fiscales | 7,461.4 | 13,504.3 | 260.9 | 68,898.9 | 99,506.3 | 1,540.5 | 760.1 | 282.5 | 12,129.1 | 159.5 | 78.6 | 14,263.0 | 218,845.2 | | Otros Activos | 226,876.4 | 166,168.1 | 63,156.4 | 95,992.8 | 49,338.9 | 18,211.0 | 9,540.5 | 11,830.6 | 7,660.5 | 2,868.6 | 2,524.0 | 10,608.2 | 664,776.1 | | Pasivo | 59,061,475.4 | 47,770,094.6 | 40,600,409.5 | 15,904,364.6 | 13,244,800.2 | 4,507,057.9 | 1,532,280.1 | 64,487.6 | 1,191,342.1 | 418,798.0 | 1,249,414.9 | 1,855,079.0 | 187,399,603.8 | | Pasivos Financieros a Costo Amortizado | 57,198,659.6 | 44,630,163.2 | 39,803,318.4 | 15,398,796.6 | 12,581,606.1 | 4,384,138.6 | 1,386,833.8 | 50,932.3 | 1,127,427.2 | 384,450.1 | 1,211,838.4 | 1,654,664.2 | 179,812,828.5 | | Obligaciones con el Público | 42,623,522.7 | 32,908,067.9 | 33,299,240.5 | 10,473,304.2 | 8,274,473.8 | 3,537,974.5 | 0.0 | 39,348.4 | 0.0 | 0.0 | 0.0 | 0.0 | 131,155,932.0 | | Moneda Nacional | 15,409,972.1 | 9,207,351.1 | 8,343,588.1 | 2,011,978.0 | 1,225,872.6 | 738,594.4 | 0.0 | 1,304.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,938,661.1 | | Depósitos a la Vista | 8,168,188.3 | 5,193,267.2 | 5,769,610.3 | 359,476.5 | 733,225.4 | 540,604.2 | 0.0 | 1,264.7 | 0.0 | 0.0 | 0.0 | 0.0 | 20,765,636.5 | | Depósitos de Ahorro | 6,184,054.6 | 3,690,266.8 | 2,371,613.1 | 1,486,095.9 | 220,031.1 | 179,838.0 | 0.0 | 40.1 | 0.0 | 0.0 | 0.0 | 0.0 | 14,131,939.6 | | Depósitos a Plazo | 1,057,729.2 | 323,817.1 | 202,364.7 | 166,405.6 | 272,616.1 | 18,152.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,041,085.0 | | 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 | 26,993,837.8 | 23,576,899.4 | 24,832,501.0 | 8,363,333.8 | 6,979,213.6 | 2,782,057.3 | 0.0 | 37,963.2 | 0.0 | 0.0 | 0.0 | 0.0 | 93,565,806.1 | | Depósitos a la Vista | 6,789,306.0 | 6,874,668.1 | 7,675,793.6 | 751,084.9 | 1,965,780.6 | 853,633.8 | 0.0 | 14,462.8 | 0.0 | 0.0 | 0.0 | 0.0 | 24,924,729.8 | | Depósitos de Ahorro | 11,688,341.8 | 11,039,669.0 | 11,609,601.3 | 4,030,157.0 | 1,458,269.4 | 1,028,017.0 | 0.0 | 1,943.1 | 0.0 | 0.0 | 0.0 | 0.0 | 40,855,998.6 | | Depósitos a Plazo | 8,516,189.9 | 5,662,562.3 | 5,547,106.1 | 3,582,091.9 | 3,555,163.6 | 900,406.5 | 0.0 | 21,557.2 | 0.0 | 0.0 | 0.0 | 0.0 | 27,785,077.7 | | 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 | 219,712.8 | 123,817.5 | 123,151.3 | 97,992.4 | 69,387.6 | 17,322.8 | 0.0 | 80.4 | 0.0 | 0.0 | 0.0 | 0.0 | 651,464.9 | | Otras Obligaciones Diversas con el Público | 668,169.5 | 228,615.0 | 260,489.9 | 77,298.6 | 47,374.0 | 47,570.8 | 2,631.2 | 10.0 | 3,964.5 | 2,927.0 | 0.0 | 0.0 | 1,339,050.4 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,240,303.9 | 1,659,918.8 | 4,542,288.4 | 1,053,335.1 | 2,059,234.0 | 679,285.8 | 0.0 | 11,573.9 | 0.0 | 0.0 | 0.0 | 0.0 | 12,245,939.8 | | Obligaciones por Emisión de Deuda | 120,974.9 | 0.0 | 0.0 | 14,880.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 135,855.7 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 304,419.0 | 267,926.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 572,345.8 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,816,357.4 | 9,830,739.7 | 1,701,299.7 | 3,281,515.5 | 1,702,726.7 | 119,307.5 | 1,384,202.6 | 0.0 | 1,123,462.7 | 381,523.0 | 1,211,838.4 | 1,654,664.2 | 33,207,637.5 | | Obligaciones con el Banco Central de Nicaragua | 729,331.2 | 2,821.8 | 0.0 | 194,043.4 | 229,870.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,156,067.2 | | 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 | 120,367.1 | 95,348.1 | 166,026.4 | 62,412.7 | 73,166.5 | 37,677.6 | 94,621.0 | 26.4 | 16,377.2 | 300.7 | 3,757.9 | 16,659.6 | 686,741.1 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,064,114.0 | 2,497,520.2 | 0.0 | 296,312.2 | 351,977.8 | 0.0 | 0.0 | 0.0 | 0.0 | 3,226.0 | 0.0 | 111,019.6 | 4,324,169.7 | | Otros Pasivos y Provisiones | 678,334.8 | 547,063.1 | 631,064.7 | 146,843.1 | 238,049.7 | 85,241.6 | 50,825.3 | 13,528.9 | 47,537.7 | 30,821.3 | 33,818.6 | 72,735.6 | 2,575,864.5 | | PATRIMONIO | 9,672,026.8 | 9,893,373.6 | 10,843,465.8 | 2,531,665.9 | 1,887,044.9 | 1,005,066.0 | 4,886,885.1 | 354,431.5 | 349,345.9 | 141,990.1 | 222,964.0 | 567,678.9 | 42,355,938.5 | | Fondos Propios | 9,521,874.9 | 9,450,943.2 | 10,448,006.1 | 2,515,522.2 | 1,643,497.9 | 949,529.0 | 4,779,261.3 | 354,431.5 | 306,871.8 | 130,404.1 | 221,886.0 | 540,415.2 | 40,862,643.2 | | 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 | 3,943,685.4 | 416,478.1 | 345,032.0 | 307,290.0 | 394,748.3 | 679,499.5 | 20,030,758.8 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 120,364.7 | 8,196.3 | 65,214.9 | 193,776.8 | | 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 | 258,213.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,213.7 | | Reservas Patrimoniales | 1,711,973.0 | 1,839,138.7 | 1,829,967.3 | 466,208.6 | 300,105.9 | 70,795.5 | 441,584.8 | 0.0 | 0.0 | 13,777.9 | 5,574.3 | 8,063.9 | 6,687,189.9 | | Resultados Acumulados | 3,588,055.0 | 2,959,740.6 | 5,408,219.0 | 845,310.8 | 458,682.3 | 34,800.1 | 0.0 | -35,803.2 | -28,204.9 | -272,427.3 | -144,742.7 | -237,182.5 | 12,576,447.1 | | Resultado del Ejercicio | 293,346.9 | 383,191.3 | 354,819.9 | 30,442.8 | 5,007.2 | 5,542.2 | 135,777.4 | -26,243.4 | -9,955.3 | -38,601.2 | -41,890.2 | 24,819.4 | 1,116,256.9 | | Otro Resultado Integral Neto | 11,019.9 | -32,073.5 | 42,187.9 | 3,388.2 | 20,226.3 | 1,834.0 | 0.0 | 0.0 | 5,050.1 | 0.0 | 0.0 | 208.2 | 51,841.1 | | Ajustes de Transición | 139,132.0 | 474,503.9 | 353,271.8 | 12,755.5 | 223,320.7 | 53,703.1 | 107,623.8 | 0.0 | 37,424.1 | 11,586.0 | 1,077.9 | 27,055.6 | 1,441,454.2 | | CUENTAS CONTINGENTES | 19,058,307.7 | 11,854,481.2 | 8,194,480.7 | 1,050,932.9 | 6,425,747.8 | 434,557.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 47,018,507.4 | | CUENTAS DE ORDEN | 95,265,140.3 | 43,910,869.0 | 275,964,143.3 | 59,108,199.6 | 20,057,925.4 | 13,709,076.5 | 8,411,058.8 | 187,290.3 | 2,211,245.7 | 2,459,666.3 | 3,472,279.9 | 3,524,213.7 | 528,281,108.9 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de este Estado Financiero no ha sido auditada. Para mayor información le recomendamos visitar el sitio web de la institución, el cual contiene los Estados Financieros auditados más recientes. | | A partir de enero 2019 Banco Produzcamos Consolida en el Sistema Bancario y en el Sistema Financiero Nacional. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2020 C$ 34.2560 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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