| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 79,290,832.8 | 64,381,849.8 | 56,962,700.6 | 18,767,406.6 | 18,586,709.8 | 6,930,760.5 | 6,722,641.8 | 912,745.1 | 1,708,114.2 | 3,130,632.6 | 257,394,394.0 | | Efectivo y Equivalentes de Efectivo | 24,675,125.2 | 19,364,702.1 | 17,069,227.5 | 4,600,430.7 | 4,835,252.0 | 1,674,482.5 | 680,276.3 | 248,849.0 | 207,496.6 | 652,036.8 | 74,007,878.8 | | Moneda Nacional | 7,800,802.4 | 4,134,358.2 | 4,188,655.2 | 962,299.8 | 702,997.0 | 415,421.7 | 245,212.1 | 36,742.3 | 53,607.8 | 152,602.2 | 18,692,698.6 | | Caja | 1,573,395.3 | 1,106,005.1 | 1,837,872.6 | 217,774.5 | 250,408.0 | 171,287.8 | 151.3 | 11,552.1 | 17,300.9 | 82,071.3 | 5,267,818.8 | | Banco Central de Nicaragua | 3,200,801.8 | 1,619,476.1 | 2,071,607.7 | 559,640.8 | 417,716.1 | 100,688.9 | 3.0 | 24,140.7 | 19,009.2 | 0.0 | 8,013,084.4 | | Instituciones Financieras | 127,282.2 | 208,430.3 | 279,174.9 | 184,884.5 | 32,437.0 | 143,444.9 | 245,057.8 | 1,049.5 | 17,297.7 | 70,530.9 | 1,309,589.7 | | 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 | 2,899,323.1 | 1,200,446.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,099,769.8 | | Moneda Extranjera | 16,874,322.8 | 15,230,343.9 | 12,880,572.4 | 3,638,130.9 | 4,132,255.0 | 1,259,060.9 | 435,064.2 | 212,106.7 | 153,888.9 | 499,434.6 | 55,315,180.1 | | Caja | 1,167,695.7 | 853,298.3 | 2,057,186.7 | 227,365.0 | 424,930.5 | 318,510.4 | 1,037.1 | 32,361.0 | 19,278.3 | 36,068.0 | 5,137,731.1 | | Banco Central de Nicaragua | 5,029,861.5 | 4,229,672.8 | 5,204,399.3 | 2,922,521.4 | 2,616,098.9 | 700,062.3 | 7,383.8 | 89,534.1 | 36,786.7 | 0.0 | 20,836,320.7 | | Instituciones Financieras | 7,297,913.3 | 1,918,855.0 | 4,202,634.4 | 454,724.3 | 786,754.4 | 236,762.1 | 426,643.3 | 19,400.9 | 97,823.8 | 463,366.6 | 15,904,878.1 | | Depósitos Restringidos | 265,136.6 | 795,469.8 | 0.0 | 33,520.2 | 104,080.6 | 3,726.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,201,933.3 | | Equivalentes de Efectivo | 3,113,715.7 | 7,433,048.0 | 1,416,352.0 | 0.0 | 200,390.6 | 0.0 | 0.0 | 70,810.7 | 0.0 | 0.0 | 12,234,317.0 | | 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 | 1,575,201.5 | 15,357,032.1 | 10,051,446.1 | 213,511.6 | 5,798,592.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 33,002,784.1 | | Cartera a Costo Amortizado | 49,342,674.6 | 25,267,854.4 | 28,411,680.6 | 13,147,443.4 | 7,024,663.8 | 4,861,689.6 | 5,864,740.5 | 599,484.1 | 1,348,926.0 | 2,391,731.6 | 138,260,888.5 | | Inversiones a Costo Amortizado, Neto | 8,613,971.8 | 2,515,096.5 | 0.0 | 1,534,862.4 | 0.0 | 141,546.7 | 2,961,804.0 | 52,970.2 | 354.5 | 283,607.1 | 16,104,213.2 | | Cartera de Créditos, Neta | 40,728,702.8 | 22,752,757.9 | 28,411,680.6 | 11,612,581.0 | 7,024,663.8 | 4,720,142.9 | 2,902,936.5 | 546,513.9 | 1,348,571.5 | 2,108,124.5 | 122,156,675.3 | | Vigentes | 37,997,357.5 | 19,578,534.0 | 24,677,187.1 | 10,313,619.2 | 6,274,321.6 | 4,463,904.2 | 2,947,800.3 | 551,178.8 | 1,318,750.1 | 2,010,546.0 | 110,133,198.9 | | Prorrogados | 213,025.4 | 51,929.6 | 819,851.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 41.1 | 1,084,847.5 | | Reestructurados | 2,856,045.2 | 3,267,974.1 | 4,857,415.6 | 1,167,091.6 | 797,701.8 | 425,628.6 | 19,766.5 | 0.0 | 67,637.9 | 56,410.0 | 13,515,671.4 | | Vencidos | 384,738.9 | 527,843.5 | 478,576.3 | 175,608.5 | 107,356.6 | 34,098.0 | 9,060.3 | 0.0 | 26,901.9 | 75,043.2 | 1,819,227.3 | | Cobro Judicial | 281,429.1 | 599,940.0 | 521,213.9 | 349,057.2 | 39,868.9 | 6,443.9 | 32,897.8 | 0.0 | 0.0 | 4,130.7 | 1,834,981.5 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -77,095.7 | -94,910.4 | -141,765.2 | -20,067.8 | -5,735.0 | -19,222.5 | -3,059.2 | -2,166.9 | -3,214.5 | 0.0 | -367,237.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 549,769.3 | 280,575.3 | 276,158.8 | 160,270.9 | 114,003.3 | 81,341.6 | 35,390.8 | 2,698.5 | 28,729.7 | 104,761.2 | 1,633,699.5 | | (-) Provisión de Cartera de Créditos | -1,476,567.1 | -1,459,128.4 | -3,076,957.1 | -532,998.6 | -302,853.4 | -272,051.0 | -138,920.0 | -5,196.5 | -90,233.6 | -142,807.9 | -7,497,713.5 | | Cuentas por Cobrar, Neto | 244,566.5 | 486,770.6 | 105,076.7 | 72,036.6 | 22,260.9 | 51,709.2 | 7,186.7 | 1,554.9 | 15,704.2 | 12,709.6 | 1,019,575.8 | | 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 | 560,757.6 | 363,925.1 | 24,522.4 | 65,675.6 | 94,930.9 | 12,011.1 | 0.0 | 0.0 | 1,271.5 | 2,586.2 | 1,125,680.3 | | Participaciones | 306,931.1 | 2,138,359.9 | 82,602.0 | 35,353.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,563,246.3 | | Activo Material | 1,980,829.7 | 790,316.4 | 1,112,245.9 | 282,629.4 | 390,644.7 | 259,542.8 | 157,150.2 | 23,064.9 | 90,016.6 | 38,700.8 | 5,125,141.4 | | Activos Intangibles | 288,898.1 | 146,062.7 | 2,722.9 | 21,527.5 | 175,436.1 | 48,673.8 | 7,246.7 | 27,564.8 | 23,515.4 | 9,045.4 | 750,693.4 | | Activos Fiscales | 1,975.8 | 249,055.3 | 0.0 | 227,943.2 | 169,088.6 | 1,009.4 | 194.0 | 252.6 | 11,846.9 | 14,561.6 | 675,927.3 | | Otros Activos | 313,872.8 | 217,771.4 | 103,176.5 | 100,855.2 | 75,839.9 | 14,892.1 | 5,597.5 | 11,974.9 | 9,337.0 | 9,260.7 | 862,577.9 | | Pasivo | 68,381,437.8 | 54,001,957.5 | 44,798,645.9 | 16,720,739.4 | 16,350,870.3 | 5,832,573.9 | 1,491,596.9 | 548,148.5 | 1,390,553.4 | 2,512,402.6 | 212,028,926.2 | | Pasivos Financieros a Costo Amortizado | 66,218,049.9 | 50,818,027.8 | 43,873,470.8 | 16,357,787.7 | 15,492,550.7 | 5,661,856.8 | 1,388,277.5 | 495,958.3 | 1,300,293.8 | 2,284,766.8 | 203,891,039.9 | | Obligaciones con el Público | 51,874,903.1 | 41,727,281.2 | 41,626,329.4 | 12,067,970.7 | 11,172,638.7 | 4,231,789.9 | 0.0 | 253,209.5 | 0.0 | 0.0 | 162,954,122.4 | | Moneda Nacional | 19,899,382.3 | 11,919,621.4 | 10,570,779.8 | 2,143,655.3 | 1,500,600.5 | 678,968.3 | 0.0 | 13,901.1 | 0.0 | 0.0 | 46,726,908.6 | | Depósitos a la Vista | 10,680,819.9 | 6,915,484.6 | 6,970,752.6 | 441,383.5 | 1,010,877.1 | 456,550.8 | 0.0 | 13,442.8 | 0.0 | 0.0 | 26,489,311.3 | | Depósitos de Ahorro | 7,180,967.2 | 4,695,283.6 | 3,122,294.4 | 1,597,351.4 | 229,993.2 | 208,197.2 | 0.0 | 458.3 | 0.0 | 0.0 | 17,034,545.4 | | Depósitos a Plazo | 2,037,595.1 | 308,853.2 | 477,732.8 | 104,920.5 | 259,730.1 | 14,220.2 | 0.0 | 0.0 | 0.0 | 0.0 | 3,203,051.9 | | 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 | | Moneda Extranjera | 31,750,683.0 | 29,687,930.3 | 30,960,606.2 | 9,818,823.4 | 9,569,884.5 | 3,534,697.8 | 0.0 | 238,326.2 | 0.0 | 0.0 | 115,560,951.5 | | Depósitos a la Vista | 9,668,026.0 | 8,984,764.5 | 10,366,661.0 | 720,965.8 | 2,373,224.9 | 845,132.5 | 0.0 | 63,667.5 | 0.0 | 0.0 | 33,022,442.2 | | Depósitos de Ahorro | 13,714,711.0 | 14,557,898.3 | 15,067,224.7 | 4,737,169.8 | 2,308,039.8 | 1,297,741.5 | 0.0 | 18,933.2 | 0.0 | 0.0 | 51,701,718.3 | | Depósitos a Plazo | 8,367,946.0 | 6,145,267.5 | 5,526,720.6 | 4,360,687.8 | 4,888,619.8 | 1,391,823.9 | 0.0 | 155,725.5 | 0.0 | 0.0 | 30,836,791.1 | | 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 | 224,837.9 | 119,729.5 | 94,943.3 | 105,492.0 | 102,153.7 | 18,123.8 | 0.0 | 982.1 | 0.0 | 0.0 | 666,262.3 | | Otras Obligaciones Diversas con el Público | 1,140,683.7 | 491,562.2 | 268,477.5 | 63,531.3 | 47,786.5 | 78,714.0 | 1,535.4 | 34.8 | 1,823.9 | 0.0 | 2,094,149.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,435,008.1 | 2,050,767.5 | 1,626,831.4 | 1,292,760.6 | 2,560,590.0 | 479,012.1 | 0.0 | 242,714.0 | 0.0 | 0.0 | 10,687,683.7 | | Obligaciones por Emisión de Deuda | 54,138.3 | 0.0 | 0.0 | 12,562.3 | 0.0 | 0.0 | 0.0 | 0.0 | 8,565.2 | 0.0 | 75,265.8 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 243,440.6 | 112,044.3 | 0.0 | 0.0 | 0.0 | 0.0 | 355,484.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,158,445.7 | 6,546,293.2 | 351,832.5 | 2,604,176.3 | 1,118,695.6 | 704,751.4 | 1,386,742.1 | 0.0 | 1,289,904.6 | 2,284,766.8 | 26,445,608.1 | | Obligaciones con el Banco Central de Nicaragua | 554,871.0 | 2,123.7 | 0.0 | 316,786.5 | 349,399.4 | 55,545.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,278,725.6 | | Arrendamiento Financiero | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | 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 | 131,135.4 | 473,970.5 | 188,756.3 | 94,624.5 | 166,182.0 | 46,365.2 | 36,013.1 | 69.5 | 18,823.2 | 15,026.8 | 1,170,966.6 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,090,937.1 | 2,155,773.7 | 0.0 | 76,000.4 | 360,267.3 | 0.0 | 0.0 | 0.0 | 0.0 | 114,220.8 | 3,797,199.3 | | Otros Pasivos y Provisiones | 941,315.4 | 554,185.5 | 736,418.8 | 192,326.8 | 331,870.3 | 124,351.9 | 67,306.3 | 52,120.7 | 71,436.5 | 98,388.2 | 3,169,720.4 | | PATRIMONIO | 10,909,395.1 | 10,379,892.3 | 12,164,054.8 | 2,046,667.2 | 2,235,839.5 | 1,098,186.6 | 5,231,044.9 | 364,596.6 | 317,560.8 | 618,230.0 | 45,365,467.8 | | Fondos Propios | 10,792,032.9 | 9,853,058.5 | 11,761,263.0 | 2,025,927.2 | 1,861,975.0 | 1,040,095.6 | 5,152,167.9 | 364,596.6 | 274,516.2 | 590,173.5 | 43,715,806.5 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 4,190,522.4 | 512,818.0 | 345,032.0 | 700,710.0 | 19,217,965.8 | | 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 | 3,368,900.3 | 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 | 12,965,559.0 | | Resultado del Ejercicio | 827,946.3 | 844,762.6 | 890,275.9 | 130,070.0 | 209,287.2 | 78,594.8 | 222,261.2 | -48,402.6 | 18,113.7 | 37,006.7 | 3,209,915.7 | | Otro Resultado Integral Neto | -18,141.2 | 52,329.9 | 49,520.0 | 9,674.6 | 164,691.6 | 4,387.9 | 13,828.8 | 0.0 | 5,734.9 | 1,000.9 | 283,027.4 | | Ajustes de Transición | 135,503.4 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 65,048.3 | 0.0 | 37,309.8 | 27,055.6 | 1,366,634.0 | | CUENTAS CONTINGENTES | 14,307,110.8 | 17,032,243.1 | 10,050,860.1 | 999,990.1 | 7,604,821.5 | 761,925.5 | 0.0 | 0.0 | 0.0 | 0.0 | 50,756,951.2 | | CUENTAS DE ORDEN | 110,547,650.3 | 48,952,150.1 | 301,852,743.3 | 45,840,899.0 | 19,353,793.6 | 19,378,502.6 | 9,806,863.9 | 911,733.6 | 2,065,980.3 | 3,578,887.0 | 562,289,203.8 |
| | 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 31 DE OCTUBRE DE 2021 C$ 35.4036 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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