| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 77,717,512.4 | 68,060,225.7 | 59,857,265.5 | 19,048,422.9 | 19,619,672.8 | 7,265,452.8 | 6,765,711.6 | 1,034,779.2 | 1,785,004.1 | 2,965,687.3 | 264,119,734.3 | | Efectivo y Equivalentes de Efectivo | 23,605,167.5 | 21,533,082.6 | 19,353,160.1 | 4,689,006.0 | 5,252,973.7 | 1,796,964.2 | 196,888.4 | 281,664.4 | 198,521.9 | 716,291.8 | 77,623,720.6 | | Moneda Nacional | 5,973,465.0 | 4,781,429.1 | 5,054,987.7 | 943,210.6 | 643,697.7 | 412,524.8 | 94,224.7 | 55,695.9 | 111,180.9 | 316,941.7 | 18,387,358.3 | | Caja | 1,956,091.6 | 1,474,627.2 | 2,174,529.1 | 230,524.1 | 305,452.6 | 193,668.3 | 170.1 | 23,106.4 | 18,443.9 | 76,037.5 | 6,452,650.8 | | Banco Central de Nicaragua | 3,370,911.0 | 2,693,258.7 | 2,728,864.3 | 679,857.9 | 303,620.6 | 93,290.6 | 166.6 | 30,731.3 | 0.0 | 0.0 | 9,900,700.9 | | Instituciones Financieras | 146,449.9 | 112,853.8 | 151,594.3 | 32,828.6 | 32,188.6 | 125,565.9 | 93,888.0 | 1,185.2 | 92,728.4 | 240,904.2 | 1,030,186.9 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 673.0 | 8.7 | 0.0 | 3,673.8 | | Equivalentes de Efectivo | 500,012.5 | 500,133.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,000,145.8 | | Moneda Extranjera | 17,631,702.4 | 16,751,653.6 | 14,298,172.4 | 3,745,795.4 | 4,609,276.0 | 1,384,439.3 | 102,663.7 | 225,968.4 | 87,341.0 | 399,350.1 | 59,236,362.3 | | Caja | 1,166,674.9 | 651,459.1 | 1,903,365.5 | 260,949.2 | 484,778.3 | 274,415.3 | 740.4 | 4,659.7 | 16,555.2 | 44,720.2 | 4,808,317.8 | | Banco Central de Nicaragua | 5,037,357.1 | 4,710,789.9 | 5,431,344.2 | 2,353,027.7 | 3,159,263.1 | 852,772.8 | 5,235.0 | 129,940.4 | 0.0 | 0.0 | 21,679,730.1 | | Instituciones Financieras | 7,417,886.9 | 2,057,803.6 | 4,294,677.4 | 743,342.9 | 855,204.9 | 249,948.4 | 96,688.3 | 33,072.6 | 68,120.2 | 354,629.9 | 16,171,375.3 | | Depósitos Restringidos | 278,467.2 | 774,642.8 | 0.0 | 33,687.9 | 104,601.5 | 3,744.8 | 0.0 | 22,707.1 | 2,665.6 | 0.0 | 1,220,516.8 | | Equivalentes de Efectivo | 3,731,316.3 | 8,556,958.2 | 2,668,785.3 | 354,787.6 | 5,428.2 | 3,558.0 | 0.0 | 35,588.7 | 0.0 | 0.0 | 15,356,422.3 | | 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 | 1,544,501.1 | 15,412,452.7 | 10,137,530.1 | 162,273.5 | 5,839,163.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 33,102,921.1 | | Cartera a Costo Amortizado | 48,983,010.0 | 26,709,719.3 | 28,960,631.0 | 13,318,746.5 | 7,560,914.7 | 5,084,618.5 | 6,379,670.9 | 698,745.9 | 1,429,606.6 | 2,161,229.1 | 141,286,892.5 | | Inversiones a Costo Amortizado, Neto | 7,245,612.0 | 2,918,412.7 | 0.0 | 1,593,412.1 | 0.0 | 213,354.5 | 2,980,852.1 | 54,339.8 | 361.0 | 107,100.0 | 15,113,444.2 | | Cartera de Créditos, Neta | 41,737,398.0 | 23,791,306.6 | 28,960,631.0 | 11,725,334.3 | 7,560,914.7 | 4,871,264.0 | 3,398,818.8 | 644,406.1 | 1,429,245.6 | 2,054,129.1 | 126,173,448.3 | | Vigentes | 39,184,433.6 | 20,908,248.4 | 25,929,609.7 | 10,552,673.6 | 6,849,626.7 | 4,641,497.0 | 3,455,771.9 | 649,650.7 | 1,412,066.9 | 2,004,028.2 | 115,587,606.5 | | Prorrogados | 31,738.9 | 4,235.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 32.4 | 36,006.2 | | Reestructurados | 2,822,984.2 | 3,039,756.5 | 5,029,007.1 | 1,135,458.0 | 750,250.0 | 401,089.7 | 44,018.2 | 0.0 | 56,109.6 | 31,255.3 | 13,309,928.5 | | Vencidos | 310,871.6 | 328,123.6 | 466,898.9 | 132,476.3 | 129,401.8 | 30,396.2 | 0.0 | 0.0 | 28,238.5 | 56,540.0 | 1,482,947.0 | | Cobro Judicial | 328,167.3 | 621,598.2 | 515,782.5 | 242,691.0 | 11,736.5 | 3,052.4 | 31,994.8 | 0.0 | 0.0 | 2,029.4 | 1,757,052.1 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -80,327.5 | -99,758.3 | -146,013.0 | -23,107.4 | -7,415.1 | -19,233.7 | -3,725.4 | -2,265.0 | -3,767.7 | 0.0 | -385,612.9 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 593,708.6 | 340,331.8 | 311,556.2 | 167,530.6 | 105,881.7 | 90,676.8 | 54,873.5 | 3,214.0 | 29,807.3 | 77,947.9 | 1,775,528.5 | | (-) Provisión de Cartera de Créditos | -1,454,178.8 | -1,351,228.4 | -3,146,210.4 | -482,387.8 | -278,567.0 | -276,214.4 | -184,114.1 | -6,193.7 | -93,208.8 | -117,704.1 | -7,390,007.6 | | Cuentas por Cobrar, Neto | 208,878.6 | 439,939.3 | 112,730.3 | 77,341.2 | 22,791.7 | 46,326.3 | 11,650.8 | 1,909.6 | 24,043.2 | 12,885.1 | 958,496.2 | | 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 | 529,093.8 | 350,580.1 | 25,466.7 | 105,968.6 | 97,762.4 | 4,176.8 | 0.0 | 0.0 | 637.5 | 4,169.0 | 1,117,854.9 | | Participaciones | 311,601.1 | 2,205,436.8 | 85,203.2 | 35,729.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,637,971.0 | | Activo Material | 1,967,318.9 | 811,522.8 | 1,100,091.3 | 274,932.7 | 383,452.1 | 260,484.5 | 157,127.1 | 21,666.8 | 89,402.0 | 37,802.1 | 5,103,800.3 | | Activos Intangibles | 301,811.0 | 138,804.7 | 1,379.0 | 18,624.5 | 172,979.7 | 45,134.7 | 6,669.7 | 24,262.7 | 21,781.6 | 13,208.0 | 744,655.8 | | Activos Fiscales | 12,375.9 | 276,239.4 | 0.0 | 242,375.6 | 205,396.3 | 1,095.8 | 1,248.7 | 190.6 | 11,452.4 | 14,378.0 | 764,752.6 | | Otros Activos | 253,754.7 | 182,447.9 | 81,073.7 | 123,424.5 | 84,238.3 | 19,901.9 | 12,205.9 | 6,339.2 | 9,558.9 | 5,724.2 | 778,669.3 | | Pasivo | 66,467,645.3 | 57,410,735.8 | 47,283,996.9 | 16,969,447.1 | 17,411,402.1 | 6,134,236.3 | 1,489,717.2 | 523,379.0 | 1,457,442.0 | 2,307,066.8 | 217,455,068.4 | | Pasivos Financieros a Costo Amortizado | 64,501,503.6 | 54,448,299.6 | 46,257,000.8 | 16,628,541.3 | 16,923,545.6 | 5,967,198.2 | 1,371,313.6 | 476,448.9 | 1,372,706.3 | 2,085,499.3 | 210,032,057.2 | | Obligaciones con el Público | 52,462,058.4 | 45,124,506.0 | 44,361,958.0 | 12,246,514.0 | 12,182,676.8 | 4,508,091.1 | 0.0 | 279,903.8 | 0.0 | 0.0 | 171,165,708.2 | | Moneda Nacional | 20,268,886.9 | 12,583,790.3 | 11,739,350.4 | 2,185,607.5 | 1,744,890.9 | 710,225.7 | 0.0 | 11,250.3 | 0.0 | 0.0 | 49,244,001.9 | | Depósitos a la Vista | 11,195,460.3 | 7,099,573.4 | 7,843,217.8 | 424,552.1 | 1,341,235.8 | 465,892.1 | 0.0 | 10,620.1 | 0.0 | 0.0 | 28,380,551.6 | | Depósitos de Ahorro | 7,909,378.7 | 5,171,521.6 | 3,656,134.2 | 1,712,451.4 | 251,932.5 | 229,417.0 | 0.0 | 630.1 | 0.0 | 0.0 | 18,931,465.6 | | Depósitos a Plazo | 1,164,047.8 | 312,695.2 | 239,998.4 | 48,604.0 | 151,722.6 | 14,916.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,931,984.6 | | 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 | 32,015,026.9 | 32,423,211.5 | 32,533,856.8 | 9,959,128.2 | 10,367,959.8 | 3,778,574.0 | 0.0 | 267,594.9 | 0.0 | 0.0 | 121,345,352.0 | | Depósitos a la Vista | 9,553,982.6 | 10,669,580.6 | 11,030,765.4 | 835,853.5 | 2,841,720.7 | 952,356.0 | 0.0 | 89,394.2 | 0.0 | 0.0 | 35,973,653.0 | | Depósitos de Ahorro | 14,609,362.1 | 15,393,910.6 | 16,065,333.1 | 4,804,588.3 | 2,685,716.4 | 1,420,467.3 | 0.0 | 11,587.5 | 0.0 | 0.0 | 54,990,965.3 | | Depósitos a Plazo | 7,851,682.3 | 6,359,720.3 | 5,437,758.3 | 4,318,686.4 | 4,840,522.7 | 1,405,750.7 | 0.0 | 166,613.2 | 0.0 | 0.0 | 30,380,733.8 | | 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 | 178,144.6 | 117,504.3 | 88,750.8 | 101,778.3 | 69,826.2 | 19,291.4 | 0.0 | 1,058.7 | 0.0 | 0.0 | 576,354.3 | | Otras Obligaciones Diversas con el Público | 532,917.8 | 359,619.9 | 244,083.8 | 90,943.4 | 52,167.9 | 54,931.3 | 1,655.4 | 6.1 | 990.1 | 0.0 | 1,337,315.7 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,294,646.4 | 2,745,256.1 | 1,339,824.2 | 1,273,753.7 | 2,472,178.2 | 537,227.1 | 0.0 | 196,539.0 | 0.0 | 0.0 | 10,859,424.5 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 12,626.2 | 0.0 | 0.0 | 0.0 | 0.0 | 14,710.2 | 0.0 | 27,336.4 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 426,940.8 | 168,806.2 | 0.0 | 0.0 | 0.0 | 0.0 | 595,747.0 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,662,654.7 | 6,218,231.7 | 311,134.8 | 2,741,452.4 | 1,400,466.1 | 642,399.8 | 1,369,658.2 | 0.0 | 1,357,005.9 | 2,085,499.3 | 24,788,502.7 | | Obligaciones con el Banco Central de Nicaragua | 549,226.4 | 686.0 | 0.0 | 263,251.7 | 389,115.8 | 55,742.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,258,022.6 | | 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 | 126,133.0 | 330,540.8 | 234,768.8 | 103,382.5 | 210,268.5 | 47,813.9 | 31,720.0 | 156.8 | 20,010.2 | 15,105.6 | 1,119,900.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,006,308.4 | 2,098,562.5 | 0.0 | 77,609.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 117,079.2 | 3,299,559.4 | | Otros Pasivos y Provisiones | 833,700.3 | 533,332.9 | 792,227.3 | 159,914.0 | 277,588.1 | 119,224.1 | 86,683.6 | 46,773.3 | 64,725.5 | 89,382.8 | 3,003,551.9 | | PATRIMONIO | 11,249,867.1 | 10,649,489.8 | 12,573,268.6 | 2,078,975.9 | 2,208,270.7 | 1,131,216.5 | 5,275,994.4 | 511,400.2 | 327,562.1 | 658,620.6 | 46,664,665.9 | | Fondos Propios | 11,161,742.8 | 10,235,584.2 | 12,159,235.7 | 2,059,229.8 | 1,926,913.6 | 1,072,817.2 | 5,196,571.6 | 511,400.2 | 282,045.5 | 628,540.8 | 45,234,081.4 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 4,406,013.6 | 672,084.0 | 345,032.0 | 700,710.0 | 19,592,723.0 | | 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 | 1,987,335.6 | 2,129,009.0 | 2,115,749.2 | 497,010.3 | 403,226.1 | 100,121.3 | 518,510.6 | 0.0 | 3,667.8 | 19,345.4 | 7,773,975.2 | | Resultados Acumulados | 4,306,018.1 | 3,716,639.4 | 7,027,649.6 | 847,308.5 | 618,967.7 | 121,387.9 | 0.0 | -157,260.0 | -70,410.1 | -173,253.8 | 16,237,047.3 | | Resultado del Ejercicio | 94,889.0 | 121,063.2 | 160,837.0 | 16,493.1 | 25,017.3 | 12,916.9 | 13,629.4 | -3,423.8 | 3,755.8 | 11,036.8 | 456,214.6 | | Otro Resultado Integral Neto | -46,126.0 | -60,598.2 | 60,761.1 | 8,680.7 | 72,184.2 | 4,696.2 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | 62,639.1 | | Ajustes de Transición | 134,250.3 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 65,048.3 | 0.0 | 39,874.2 | 27,055.6 | 1,367,945.4 | | CUENTAS CONTINGENTES | 14,349,153.1 | 16,810,241.0 | 10,358,071.7 | 1,040,100.5 | 7,853,950.2 | 795,848.6 | 0.0 | 0.0 | 0.0 | 0.0 | 51,207,365.0 | | CUENTAS DE ORDEN | 108,959,828.1 | 47,484,084.4 | 300,931,713.8 | 46,267,410.2 | 19,667,012.5 | 18,601,681.9 | 10,590,790.0 | 1,881,657.6 | 2,038,861.3 | 3,552,294.3 | 559,975,334.0 |
| | 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 ENERO DE 2022 C$ 35.5807 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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