| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 73,970,136.7 | 62,482,801.8 | 53,701,866.1 | 18,246,018.9 | 16,973,855.5 | 6,252,127.0 | 6,558,476.4 | 701,738.8 | 1,600,972.1 | 2,527,986.4 | 243,015,979.9 | | Efectivo y Equivalentes de Efectivo | 22,677,101.5 | 12,597,469.2 | 15,360,996.6 | 4,836,324.2 | 4,003,515.8 | 1,649,313.5 | 353,474.1 | 217,571.4 | 275,435.3 | 457,454.3 | 62,428,655.8 | | Moneda Nacional | 7,245,540.6 | 2,598,389.5 | 3,757,724.3 | 1,023,056.0 | 436,411.9 | 245,833.6 | 91,496.3 | 32,964.7 | 36,043.8 | 198,943.1 | 15,666,403.7 | | Caja | 1,675,157.5 | 1,095,237.9 | 1,889,865.3 | 250,256.7 | 244,120.3 | 136,325.8 | 234.8 | 19,716.6 | 18,062.2 | 72,995.8 | 5,401,972.8 | | Banco Central de Nicaragua | 2,851,493.5 | 1,313,169.4 | 1,639,861.3 | 638,761.8 | 137,122.6 | 95,089.5 | 58.9 | 11,615.4 | 12.4 | 0.0 | 6,687,184.8 | | Instituciones Financieras | 169,156.3 | 189,982.2 | 227,997.8 | 134,037.6 | 54,481.3 | 14,418.2 | 91,202.6 | 1,632.7 | 17,969.2 | 125,947.2 | 1,026,825.1 | | Depósitos Restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 687.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 687.7 | | Equivalentes de Efectivo | 2,549,733.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,549,733.3 | | Moneda Extranjera | 15,431,560.9 | 9,999,079.8 | 11,603,272.2 | 3,813,268.2 | 3,567,103.9 | 1,403,479.9 | 261,977.8 | 184,606.7 | 239,391.5 | 258,511.3 | 46,762,252.1 | | Caja | 937,353.8 | 625,532.8 | 1,681,905.1 | 208,052.1 | 403,971.0 | 199,049.5 | 1,041.9 | 15,608.7 | 15,766.4 | 40,200.7 | 4,128,482.0 | | Banco Central de Nicaragua | 4,585,072.1 | 4,092,102.3 | 5,734,042.1 | 2,980,782.0 | 2,297,961.6 | 493,878.0 | 3,924.7 | 162,371.2 | 145,938.1 | 0.0 | 20,496,071.9 | | Instituciones Financieras | 8,623,056.2 | 1,293,064.1 | 4,187,325.0 | 591,356.5 | 760,016.5 | 619,916.7 | 257,011.2 | 6,626.8 | 77,687.1 | 218,310.6 | 16,634,370.6 | | Depósitos Restringidos | 517,446.2 | 765,545.4 | 0.0 | 33,077.6 | 102,705.1 | 3,676.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1,422,451.2 | | Equivalentes de Efectivo | 768,632.6 | 3,222,835.2 | 0.0 | 0.0 | 2,449.6 | 86,958.9 | 0.0 | 0.0 | 0.0 | 0.0 | 4,080,876.3 | | 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 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 2,498,013.2 | 16,284,016.5 | 9,589,218.4 | 478,525.5 | 5,338,845.1 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 34,195,618.7 | | Cartera a Costo Amortizado | 45,951,158.1 | 29,526,427.8 | 27,340,038.2 | 12,122,850.6 | 6,792,272.3 | 4,198,726.4 | 6,037,931.9 | 398,806.4 | 1,145,689.7 | 1,973,911.6 | 135,487,813.0 | | Inversiones a Costo Amortizado, Neto | 6,612,063.2 | 6,823,870.0 | 0.0 | 541,775.7 | 0.0 | 145,081.6 | 2,951,916.4 | 0.0 | 356.1 | 105,376.0 | 17,180,438.9 | | Cartera de Créditos, Neta | 39,339,094.8 | 22,702,557.8 | 27,340,038.2 | 11,581,074.9 | 6,792,272.3 | 4,053,644.9 | 3,086,015.5 | 398,806.4 | 1,145,333.6 | 1,868,535.7 | 118,307,374.0 | | Vigentes | 37,131,898.0 | 18,649,186.2 | 22,385,390.8 | 10,235,513.4 | 5,834,638.8 | 3,743,092.7 | 3,091,196.3 | 402,608.1 | 1,102,795.5 | 1,785,738.7 | 104,362,058.4 | | Prorrogados | 64,726.8 | 21,172.0 | 1,104,620.8 | 9,647.3 | 0.0 | 0.0 | 0.0 | 0.0 | 293.6 | 3,741.9 | 1,204,202.4 | | Reestructurados | 2,378,227.8 | 4,112,895.5 | 5,270,695.2 | 1,262,303.2 | 860,961.3 | 458,008.5 | 46,640.7 | 0.0 | 90,847.6 | 90,979.7 | 14,571,559.4 | | Vencidos | 750,958.2 | 486,570.7 | 303,393.0 | 282,256.2 | 350,528.2 | 52,248.8 | 254.9 | 0.0 | 54,856.5 | 70,360.6 | 2,351,427.1 | | Cobro Judicial | 308,273.9 | 658,081.1 | 571,481.0 | 225,766.1 | 14,761.5 | 20,447.8 | 40,815.8 | 0.0 | 0.0 | 5,417.6 | 1,845,044.6 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -73,741.2 | -85,638.8 | -117,184.2 | -9,606.9 | -5,684.5 | -16,749.6 | -2,404.1 | -2,116.0 | -2,342.5 | 0.0 | -315,467.8 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 591,241.6 | 405,088.3 | 356,588.5 | 146,181.2 | 113,986.1 | 71,508.2 | 44,807.2 | 2,011.7 | 21,462.0 | 72,906.7 | 1,825,781.5 | | (-) Provisión de Cartera de Créditos | -1,812,490.3 | -1,544,797.1 | -2,534,946.8 | -570,985.5 | -376,919.1 | -274,911.5 | -135,295.3 | -3,697.3 | -122,579.1 | -160,609.6 | -7,537,231.7 | | Cuentas por Cobrar, Neto | 223,871.5 | 447,693.1 | 117,568.6 | 64,656.4 | 31,466.5 | 48,372.0 | 1,374.5 | 1,105.1 | 27,650.4 | 8,425.9 | 972,184.0 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Activos Recibidos en Recuperación de Créditos | 306,255.9 | 282,190.5 | 32,630.4 | 70,512.1 | 24,056.0 | 14,659.6 | 0.0 | 0.0 | 4,647.9 | 3,844.5 | 738,796.9 | | Participaciones | 278,837.4 | 2,105,572.0 | 76,977.7 | 33,561.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,494,948.6 | | Activo Material | 1,494,807.8 | 794,497.5 | 1,135,918.1 | 304,478.2 | 389,017.4 | 269,639.1 | 149,724.5 | 25,410.9 | 95,547.2 | 44,749.7 | 4,703,790.4 | | Activos Intangibles | 181,046.0 | 128,609.1 | 5,513.8 | 28,886.8 | 187,901.7 | 47,061.9 | 5,452.4 | 32,616.4 | 27,655.6 | 18,260.7 | 663,004.5 | | Activos Fiscales | 9,878.8 | 121,903.8 | 0.0 | 207,687.2 | 142,463.4 | 1,032.4 | 970.0 | 1.8 | 12,387.5 | 14,266.2 | 510,591.1 | | Otros Activos | 349,166.7 | 194,422.4 | 43,004.3 | 98,536.5 | 64,317.3 | 16,572.1 | 9,299.0 | 26,226.8 | 11,958.6 | 7,073.4 | 820,577.0 | | Pasivo | 63,752,670.5 | 52,673,332.3 | 42,209,553.7 | 16,300,233.0 | 15,028,916.5 | 5,226,651.4 | 1,524,794.8 | 297,719.9 | 1,299,643.7 | 1,936,057.7 | 200,249,573.5 | | Pasivos Financieros a Costo Amortizado | 61,854,019.5 | 49,812,277.8 | 41,369,900.9 | 15,824,089.2 | 14,292,116.8 | 5,083,677.9 | 1,393,897.3 | 241,660.2 | 1,230,314.8 | 1,736,590.9 | 192,838,545.3 | | Obligaciones con el Público | 48,390,982.7 | 39,782,294.6 | 39,400,165.4 | 11,512,168.0 | 10,556,579.1 | 3,973,385.6 | 0.0 | 165,761.2 | 0.0 | 0.0 | 153,781,336.6 | | Moneda Nacional | 18,288,909.4 | 11,225,630.3 | 10,098,713.4 | 2,262,689.2 | 1,301,668.2 | 746,295.8 | 0.0 | 7,088.3 | 0.0 | 0.0 | 43,930,994.7 | | Depósitos a la Vista | 10,351,390.8 | 6,558,325.3 | 6,377,816.2 | 506,370.2 | 888,904.1 | 542,845.8 | 0.0 | 6,690.6 | 0.0 | 0.0 | 25,232,343.0 | | Depósitos de Ahorro | 6,857,716.5 | 4,353,180.9 | 3,418,897.0 | 1,667,726.1 | 231,077.4 | 186,962.8 | 0.0 | 397.7 | 0.0 | 0.0 | 16,715,958.4 | | Depósitos a Plazo | 1,079,802.1 | 314,124.0 | 302,000.2 | 88,593.0 | 181,686.8 | 16,487.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,982,693.3 | | 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 | | Moneda Extranjera | 29,896,457.1 | 28,429,105.4 | 29,204,242.6 | 9,157,960.7 | 9,191,364.7 | 3,211,951.6 | 0.0 | 158,227.8 | 0.0 | 0.0 | 109,249,309.8 | | Depósitos a la Vista | 7,093,589.1 | 8,352,273.2 | 9,416,999.2 | 678,448.4 | 2,540,053.8 | 889,633.3 | 0.0 | 33,782.8 | 0.0 | 0.0 | 29,004,779.7 | | Depósitos de Ahorro | 14,276,072.2 | 13,497,811.7 | 14,484,183.2 | 4,373,863.3 | 1,986,916.6 | 1,337,314.9 | 0.0 | 6,529.3 | 0.0 | 0.0 | 49,962,691.3 | | Depósitos a Plazo | 8,526,795.8 | 6,579,020.5 | 5,303,060.3 | 4,105,648.9 | 4,664,394.2 | 985,003.4 | 0.0 | 117,915.6 | 0.0 | 0.0 | 30,281,838.8 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 205,616.2 | 127,559.0 | 97,209.3 | 91,518.1 | 63,546.2 | 15,138.2 | 0.0 | 445.1 | 0.0 | 0.0 | 601,032.1 | | Otras Obligaciones Diversas con el Público | 243,850.2 | 459,700.5 | 204,836.7 | 106,850.3 | 40,855.0 | 81,347.8 | 2,908.0 | 0.1 | 4,896.5 | 0.0 | 1,145,245.1 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,632,234.1 | 1,649,557.9 | 1,295,315.4 | 1,090,989.5 | 1,757,220.8 | 456,165.3 | 0.0 | 75,898.9 | 0.0 | 0.0 | 8,957,382.0 | | Obligaciones por Emisión de Deuda | 52,659.0 | 0.0 | 0.0 | 11,462.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 64,121.2 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 175,740.4 | 30,509.5 | 0.0 | 0.0 | 0.0 | 0.0 | 206,250.0 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 9,986,080.6 | 7,918,639.6 | 469,583.4 | 2,763,270.9 | 1,331,310.0 | 535,264.5 | 1,390,989.3 | 0.0 | 1,225,418.3 | 1,736,590.9 | 27,357,147.5 | | Obligaciones con el Banco Central de Nicaragua | 548,213.0 | 2,085.2 | 0.0 | 339,348.1 | 430,411.5 | 7,005.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,327,062.9 | | Arrendamiento Financiero | 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 | | Pasivos Fiscales | 113,599.4 | 219,577.1 | 217,099.4 | 91,501.4 | 123,633.6 | 41,248.1 | 85,017.9 | 44.9 | 18,340.3 | 15,486.7 | 925,548.8 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,058,599.4 | 2,134,269.5 | 0.0 | 230,129.0 | 350,477.9 | 0.0 | 0.0 | 0.0 | 0.0 | 115,804.1 | 3,889,280.0 | | Otros Pasivos y Provisiones | 726,452.2 | 507,207.8 | 622,553.4 | 154,513.4 | 262,688.2 | 101,725.4 | 45,879.6 | 56,014.8 | 50,988.6 | 68,176.0 | 2,596,199.4 | | PATRIMONIO | 10,217,466.2 | 9,809,469.5 | 11,492,312.4 | 1,945,785.9 | 1,944,939.0 | 1,025,475.6 | 5,033,681.6 | 404,018.9 | 301,328.4 | 591,928.8 | 42,766,406.4 | | Fondos Propios | 10,074,249.5 | 9,242,875.0 | 11,078,337.6 | 1,928,199.3 | 1,669,296.5 | 968,210.9 | 4,926,057.9 | 404,018.9 | 258,248.2 | 564,665.0 | 41,114,158.7 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 3,951,682.9 | 512,818.0 | 345,032.0 | 700,710.0 | 18,979,126.3 | | Aportes a Capitalizar | 745,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 815,703.3 | | 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 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,315.9 | 0.0 | 0.0 | 0.0 | 258,315.9 | | Reservas Patrimoniales | 1,821,686.4 | 1,839,138.7 | 1,946,637.4 | 474,978.4 | 363,715.3 | 85,361.3 | 441,584.8 | 0.0 | 0.0 | 8,063.9 | 6,981,166.2 | | Resultados Acumulados | 3,473,558.3 | 2,945,207.9 | 6,069,349.7 | 722,460.9 | 409,270.0 | 37,748.3 | 233,797.0 | -99,818.8 | -88,617.4 | -225,516.8 | 13,477,439.2 | | Resultado del Ejercicio | 105,504.8 | 189,655.7 | 207,350.5 | 32,342.1 | 16,608.7 | 6,710.0 | 40,677.3 | -8,980.3 | 1,833.6 | 10,705.5 | 602,407.8 | | Otro Resultado Integral Neto | 6,730.9 | 92,090.7 | 60,703.0 | 5,695.5 | 66,469.7 | 3,561.7 | 0.0 | 0.0 | 5,734.9 | 208.2 | 241,194.6 | | Ajustes de Transición | 136,485.8 | 474,503.9 | 353,271.8 | 11,891.0 | 209,172.9 | 53,703.1 | 107,623.8 | 0.0 | 37,345.4 | 27,055.6 | 1,411,053.1 | | CUENTAS CONTINGENTES | 20,944,235.9 | 13,827,005.3 | 9,191,195.0 | 993,639.6 | 6,801,791.5 | 635,175.8 | 0.0 | 0.0 | 0.0 | 0.0 | 52,393,043.0 | | CUENTAS DE ORDEN | 96,909,089.2 | 48,520,722.7 | 274,893,034.1 | 47,465,529.8 | 18,927,792.7 | 16,229,654.5 | 8,713,028.6 | 633,159.8 | 2,180,113.5 | 3,513,928.8 | 517,986,053.8 |
| | 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 28 DE FEBRERO DE 2021 C$ 34.9361 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. | | El Consejo Directivo de la SIBOIF mediante Resolución No. CD-SIBOIF-1218-1-DIC1-2020 de fecha 01 de diciembre del 2020, autorizó a FINANCIERA FINCA NICARAGUA, SOCIEDAD ANÓNIMA su solicitud de revocación de Licencia para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Por lo anterior, a partir de enero de 2021, la SIBOIF no publica información relativa a esta entidad. | | El Consejo Directivo de la SIBOIF mediante Resolución No. CD-SIBOIF-1222-1-DIC17-2020 de fecha 17 de diciembre del 2020, autorizó a FINANCIERA FUNDESER, SOCIEDAD ANÓNIMA su solicitud de revocación de Licencia para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Por lo anterior, a partir de enero de 2021, la SIBOIF no publica información relativa a esta entidad. |
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