| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 77,378,912.2 | 63,197,885.5 | 56,375,927.3 | 18,474,513.9 | 18,210,312.6 | 6,796,249.7 | 6,652,067.0 | 824,524.1 | 1,660,071.6 | 2,977,175.7 | 252,547,639.5 | | Efectivo y Equivalentes de Efectivo | 24,799,230.5 | 18,352,432.7 | 17,014,587.7 | 4,542,969.5 | 4,510,950.5 | 1,808,633.7 | 673,935.4 | 218,245.2 | 209,281.1 | 617,799.2 | 72,748,065.4 | | Moneda Nacional | 6,324,425.2 | 4,123,713.6 | 4,607,622.8 | 830,097.6 | 540,275.8 | 334,836.3 | 62,782.1 | 20,590.6 | 43,511.3 | 147,373.2 | 17,035,228.3 | | Caja | 1,688,523.7 | 1,183,915.4 | 1,936,472.1 | 183,741.0 | 185,524.9 | 130,292.1 | 205.4 | 14,082.6 | 17,759.2 | 83,750.5 | 5,424,266.9 | | Banco Central de Nicaragua | 2,939,961.7 | 1,813,371.3 | 2,199,437.8 | 568,759.5 | 305,876.0 | 90,683.7 | 155.0 | 5,986.0 | 9,009.8 | 0.0 | 7,933,240.8 | | Instituciones Financieras | 145,991.5 | 226,200.2 | 471,712.9 | 77,597.1 | 46,438.9 | 113,860.5 | 62,421.7 | 522.1 | 16,742.3 | 63,622.6 | 1,225,109.6 | | Depósitos Restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,436.0 | | Equivalentes de Efectivo | 1,549,948.4 | 900,226.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,450,175.1 | | Moneda Extranjera | 18,474,805.3 | 14,228,719.1 | 12,406,965.0 | 3,712,871.9 | 3,970,674.7 | 1,473,797.4 | 611,153.4 | 197,654.6 | 165,769.8 | 470,426.0 | 55,712,837.0 | | Caja | 1,176,728.8 | 799,951.5 | 2,059,293.5 | 213,257.3 | 456,036.0 | 277,968.7 | 1,143.5 | 41,475.2 | 17,435.9 | 36,010.3 | 5,079,300.7 | | Banco Central de Nicaragua | 4,727,895.1 | 4,235,515.2 | 5,174,036.1 | 2,836,748.6 | 2,768,687.3 | 826,608.9 | 4,542.4 | 74,495.3 | 67,075.2 | 0.0 | 20,715,604.1 | | Instituciones Financieras | 8,405,103.6 | 756,550.7 | 3,412,089.9 | 629,512.6 | 642,389.6 | 361,989.5 | 605,467.4 | 11,234.4 | 81,258.8 | 434,415.7 | 15,340,012.3 | | Depósitos Restringidos | 399,982.8 | 787,472.8 | 0.0 | 33,353.3 | 103,561.8 | 3,707.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,328,078.3 | | Equivalentes de Efectivo | 3,765,094.9 | 7,649,228.9 | 1,761,545.5 | 0.0 | 0.0 | 3,522.7 | 0.0 | 70,449.6 | 0.0 | 0.0 | 13,249,841.6 | | 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 | 1,390,006.0 | 14,926,191.2 | 10,024,244.0 | 478,315.1 | 5,460,209.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 32,285,965.3 | | Cartera a Costo Amortizado | 48,083,979.0 | 25,634,906.2 | 27,892,762.4 | 12,649,746.2 | 7,301,504.1 | 4,573,828.3 | 5,798,619.5 | 534,873.6 | 1,282,248.9 | 2,276,479.9 | 136,028,948.1 | | Inversiones a Costo Amortizado, Neto | 7,826,016.1 | 3,822,905.8 | 0.0 | 1,043,561.5 | 0.0 | 140,833.7 | 2,946,449.3 | 53,743.7 | 367.2 | 282,137.7 | 16,116,015.0 | | Cartera de Créditos, Neta | 40,257,962.9 | 21,812,000.3 | 27,892,762.4 | 11,606,184.8 | 7,301,504.1 | 4,432,994.6 | 2,852,170.2 | 481,129.9 | 1,281,881.7 | 1,994,342.1 | 119,912,933.1 | | Vigentes | 37,569,975.3 | 18,261,293.0 | 23,561,383.5 | 10,294,470.0 | 6,511,747.3 | 4,170,412.4 | 2,877,631.5 | 485,750.6 | 1,248,934.4 | 1,906,121.9 | 106,887,719.9 | | Prorrogados | 15,384.9 | 22,413.9 | 858,979.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 472.3 | 897,250.8 | | Reestructurados | 3,104,146.4 | 3,805,489.7 | 5,397,241.8 | 1,242,787.4 | 832,211.1 | 442,276.2 | 51,498.1 | 0.0 | 73,991.4 | 65,223.2 | 15,014,865.5 | | Vencidos | 336,989.3 | 391,397.6 | 214,682.6 | 157,858.9 | 119,499.7 | 31,840.1 | 114.9 | 0.0 | 28,051.7 | 76,093.0 | 1,356,527.7 | | Cobro Judicial | 344,089.0 | 608,117.3 | 540,512.9 | 331,702.0 | 56,666.2 | 10,991.4 | 38,239.8 | 0.0 | 0.0 | 4,758.8 | 1,935,077.5 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -76,781.8 | -89,821.0 | -132,623.4 | -19,425.9 | -6,965.9 | -18,294.0 | -1,763.1 | -2,045.5 | -2,860.9 | 0.0 | -350,581.6 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 537,242.0 | 282,030.9 | 297,201.4 | 149,239.3 | 114,475.5 | 66,135.1 | 26,425.7 | 2,278.2 | 26,207.6 | 86,128.8 | 1,587,364.6 | | (-) Provisión de Cartera de Créditos | -1,573,082.1 | -1,468,921.1 | -2,844,616.3 | -550,446.8 | -326,129.9 | -270,366.8 | -139,976.7 | -4,853.4 | -92,442.5 | -144,455.8 | -7,415,291.4 | | Cuentas por Cobrar, Neto | 234,741.9 | 482,501.9 | 102,736.4 | 70,815.8 | 23,898.1 | 60,068.2 | 8,113.2 | 1,917.1 | 20,192.0 | 7,319.1 | 1,012,303.7 | | 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 | 522,391.7 | 345,176.8 | 26,268.5 | 62,550.3 | 98,107.7 | 12,123.9 | 0.0 | 0.0 | 2,909.9 | 3,467.7 | 1,072,996.6 | | Participaciones | 278,837.4 | 2,122,156.5 | 80,766.9 | 35,313.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,517,074.3 | | Activo Material | 1,466,924.9 | 775,844.7 | 1,124,414.7 | 289,734.1 | 397,277.6 | 264,030.3 | 157,844.1 | 24,400.0 | 91,634.7 | 40,664.3 | 4,632,769.3 | | Activos Intangibles | 317,918.3 | 141,223.3 | 3,625.9 | 23,317.4 | 184,139.2 | 51,562.7 | 6,089.1 | 31,055.5 | 25,676.7 | 11,588.1 | 796,196.2 | | Activos Fiscales | 4,939.4 | 209,014.9 | 0.0 | 215,515.0 | 159,051.9 | 992.0 | 485.0 | 5.8 | 12,125.0 | 14,282.5 | 616,411.4 | | Otros Activos | 279,943.3 | 208,437.4 | 106,520.6 | 106,237.0 | 75,174.5 | 18,260.6 | 6,730.7 | 14,026.9 | 16,003.4 | 5,574.9 | 836,909.4 | | Pasivo | 66,724,743.7 | 52,995,135.2 | 44,457,832.9 | 16,459,960.8 | 16,111,308.7 | 5,730,193.5 | 1,486,555.9 | 445,960.3 | 1,347,873.9 | 2,370,437.3 | 208,130,002.1 | | Pasivos Financieros a Costo Amortizado | 64,822,585.3 | 49,962,287.6 | 43,567,092.9 | 16,037,020.1 | 15,315,838.4 | 5,571,875.3 | 1,378,771.6 | 391,935.0 | 1,262,439.8 | 2,164,405.6 | 200,474,251.5 | | Obligaciones con el Público | 50,844,851.1 | 40,604,915.9 | 41,326,805.8 | 11,779,877.5 | 11,082,667.4 | 4,142,174.3 | 0.0 | 326,304.0 | 0.0 | 0.0 | 160,107,596.0 | | Moneda Nacional | 18,968,653.1 | 11,446,341.0 | 10,447,507.9 | 2,119,285.9 | 1,364,699.2 | 560,730.6 | 0.0 | 10,480.3 | 0.0 | 0.0 | 44,917,697.9 | | Depósitos a la Vista | 9,914,684.1 | 6,483,892.5 | 6,943,879.3 | 426,528.3 | 849,898.9 | 348,468.0 | 0.0 | 10,185.4 | 0.0 | 0.0 | 24,977,536.3 | | Depósitos de Ahorro | 7,054,640.3 | 4,639,836.1 | 3,053,906.1 | 1,588,302.4 | 250,041.3 | 197,243.6 | 0.0 | 294.9 | 0.0 | 0.0 | 16,784,264.8 | | Depósitos a Plazo | 1,999,328.7 | 322,612.4 | 449,722.5 | 104,455.1 | 264,759.0 | 15,019.1 | 0.0 | 0.0 | 0.0 | 0.0 | 3,155,896.8 | | 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 | | Moneda Extranjera | 31,667,710.7 | 29,039,478.3 | 30,793,006.3 | 9,562,186.6 | 9,633,663.8 | 3,563,622.5 | 0.0 | 313,558.3 | 0.0 | 0.0 | 114,573,226.5 | | Depósitos a la Vista | 9,108,911.9 | 8,430,076.9 | 10,266,008.8 | 729,744.7 | 2,457,952.2 | 975,218.2 | 0.0 | 54,711.0 | 0.0 | 0.0 | 32,022,623.7 | | Depósitos de Ahorro | 13,833,785.4 | 14,322,600.1 | 15,190,016.6 | 4,486,322.3 | 2,096,450.2 | 1,328,496.3 | 0.0 | 8,281.5 | 0.0 | 0.0 | 51,265,952.4 | | Depósitos a Plazo | 8,725,013.4 | 6,286,801.3 | 5,336,980.9 | 4,346,119.6 | 5,079,261.4 | 1,259,908.0 | 0.0 | 250,565.9 | 0.0 | 0.0 | 31,284,650.3 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 208,487.3 | 119,096.5 | 86,291.6 | 98,405.0 | 84,304.5 | 17,821.2 | 0.0 | 2,265.4 | 0.0 | 0.0 | 616,671.6 | | Otras Obligaciones Diversas con el Público | 414,418.3 | 380,770.2 | 227,667.5 | 110,366.5 | 77,187.6 | 78,352.8 | 3,764.7 | 1,549.3 | 4,546.1 | 0.0 | 1,298,623.1 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,534,382.0 | 1,595,628.8 | 1,620,512.0 | 1,216,802.5 | 2,185,690.0 | 493,499.9 | 0.0 | 64,081.7 | 0.0 | 0.0 | 9,710,597.0 | | Obligaciones por Emisión de Deuda | 53,868.7 | 0.0 | 0.0 | 12,498.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 66,367.6 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 318,932.7 | 112,050.6 | 0.0 | 0.0 | 0.0 | 0.0 | 430,983.2 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,410,014.7 | 7,378,863.8 | 392,107.6 | 2,580,139.2 | 1,321,533.2 | 720,613.2 | 1,375,006.8 | 0.0 | 1,257,893.7 | 2,164,405.6 | 27,600,577.7 | | Obligaciones con el Banco Central de Nicaragua | 565,050.5 | 2,108.9 | 0.0 | 337,335.5 | 329,827.5 | 25,184.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,259,507.0 | | 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 | 128,665.8 | 370,443.9 | 220,602.9 | 93,066.8 | 161,376.6 | 45,243.8 | 35,774.0 | 56.0 | 18,704.7 | 15,183.5 | 1,089,118.1 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,060,080.8 | 2,108,091.9 | 0.0 | 153,891.6 | 351,466.4 | 0.0 | 0.0 | 0.0 | 0.0 | 115,891.4 | 3,789,422.0 | | Otros Pasivos y Provisiones | 713,411.8 | 554,311.8 | 670,137.1 | 175,982.3 | 282,627.3 | 113,074.4 | 72,010.3 | 53,969.4 | 66,729.3 | 74,956.8 | 2,777,210.5 | | PATRIMONIO | 10,654,168.5 | 10,202,750.3 | 11,918,094.4 | 2,014,553.1 | 2,099,003.9 | 1,066,056.1 | 5,165,511.1 | 378,563.8 | 312,197.7 | 606,738.4 | 44,417,637.4 | | Fondos Propios | 10,503,044.4 | 9,622,907.7 | 11,505,076.0 | 1,997,538.4 | 1,785,114.7 | 1,008,333.4 | 5,086,634.0 | 378,563.8 | 269,153.1 | 578,682.0 | 42,735,047.5 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 4,188,731.4 | 512,818.0 | 345,032.0 | 700,710.0 | 19,216,174.8 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 915,703.3 | | 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 | 258,418.0 | 0.0 | 0.0 | 0.0 | 258,418.0 | | Reservas Patrimoniales | 1,821,686.4 | 1,963,075.2 | 1,946,637.4 | 474,978.4 | 365,844.9 | 85,361.3 | 480,966.3 | 0.0 | 0.0 | 9,694.9 | 7,148,244.7 | | Resultados Acumulados | 3,368,664.4 | 2,776,348.1 | 6,069,349.7 | 722,460.9 | 407,140.5 | 37,748.3 | 0.0 | -99,818.8 | -88,629.5 | -227,940.5 | 12,965,323.1 | | Resultado del Ejercicio | 539,193.7 | 614,611.8 | 634,088.8 | 101,681.2 | 132,426.9 | 46,832.6 | 158,518.3 | -34,435.4 | 12,750.6 | 25,515.1 | 2,231,183.5 | | Otro Resultado Integral Neto | 15,390.3 | 105,338.7 | 59,746.7 | 5,123.7 | 104,716.4 | 4,019.7 | 13,828.8 | 0.0 | 5,734.9 | 1,000.9 | 314,900.0 | | Ajustes de Transición | 135,733.8 | 474,503.9 | 353,271.8 | 11,891.0 | 209,172.9 | 53,703.1 | 65,048.3 | 0.0 | 37,309.8 | 27,055.6 | 1,367,690.0 | | CUENTAS CONTINGENTES | 22,208,806.5 | 15,403,287.1 | 9,899,635.4 | 1,050,516.9 | 7,152,286.5 | 737,075.8 | 0.0 | 0.0 | 0.0 | 0.0 | 56,451,608.0 | | CUENTAS DE ORDEN | 102,244,877.0 | 49,345,701.8 | 292,067,658.1 | 47,007,302.6 | 19,473,548.7 | 18,822,526.8 | 8,716,482.6 | 886,393.8 | 2,106,012.1 | 3,481,533.9 | 544,152,037.4 |
| | 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 JULIO DE 2021 C$ 35.2273 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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