| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 79,582,120.4 | 68,297,738.2 | 60,129,003.3 | 19,154,421.9 | 20,156,779.7 | 7,179,629.3 | 6,764,072.3 | 1,015,657.0 | 1,926,114.9 | 2,976,896.9 | 267,182,433.9 | | Efectivo y Equivalentes de Efectivo | 25,528,465.6 | 19,995,337.8 | 17,819,891.9 | 4,879,187.4 | 4,367,522.6 | 1,603,464.5 | 441,958.0 | 324,242.7 | 320,653.9 | 730,059.4 | 76,010,784.0 | | Moneda Nacional | 6,329,864.6 | 3,877,163.8 | 4,904,455.0 | 803,069.0 | 568,297.4 | 363,436.8 | 194,532.1 | 28,632.3 | 230,372.3 | 350,256.3 | 17,650,079.5 | | Caja | 2,006,861.9 | 1,418,872.4 | 2,247,224.7 | 282,747.2 | 247,095.8 | 148,318.2 | 210.0 | 17,656.8 | 19,808.0 | 86,435.0 | 6,475,229.9 | | Banco Central de Nicaragua | 3,387,719.7 | 2,094,803.5 | 2,479,547.5 | 453,131.5 | 259,458.5 | 76,426.0 | 107.7 | 8,008.3 | 0.0 | 0.0 | 8,759,202.8 | | Instituciones Financieras | 135,258.0 | 162,878.5 | 177,682.7 | 67,190.4 | 59,307.1 | 138,692.6 | 194,214.4 | 1,766.8 | 210,555.8 | 263,821.3 | 1,411,367.6 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 1,200.4 | 8.5 | 0.0 | 4,201.0 | | Equivalentes de Efectivo | 800,025.0 | 200,053.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,000,078.3 | | Moneda Extranjera | 19,198,601.1 | 16,118,174.0 | 12,915,437.0 | 4,076,118.3 | 3,799,225.2 | 1,240,027.7 | 247,425.9 | 295,610.4 | 90,281.6 | 379,803.1 | 58,360,704.4 | | Caja | 1,052,764.5 | 652,577.9 | 1,739,458.2 | 220,531.7 | 373,208.6 | 359,558.3 | 957.3 | 8,328.8 | 18,331.7 | 36,082.8 | 4,461,799.8 | | Banco Central de Nicaragua | 4,998,752.4 | 5,179,958.4 | 5,764,071.4 | 2,310,857.6 | 2,785,205.7 | 659,185.3 | 5,262.2 | 121,014.9 | 0.0 | 0.0 | 21,824,307.9 | | Instituciones Financieras | 8,620,337.4 | 2,559,512.3 | 4,521,022.5 | 977,531.4 | 536,050.4 | 217,533.6 | 241,206.4 | 36,128.8 | 33,645.4 | 343,720.4 | 18,086,688.6 | | Depósitos Restringidos | 278,919.3 | 781,244.7 | 0.0 | 33,739.1 | 104,760.5 | 3,750.5 | 0.0 | 23,230.8 | 38,304.4 | 0.0 | 1,263,949.3 | | Equivalentes de Efectivo | 4,247,827.5 | 6,944,880.8 | 890,884.8 | 533,458.5 | 0.0 | 0.0 | 0.0 | 106,907.2 | 0.0 | 0.0 | 12,723,958.8 | | 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 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,530,539.8 | 16,025,102.9 | 10,893,889.0 | 163,786.9 | 7,251,855.5 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 35,872,174.2 | | Cartera a Costo Amortizado | 48,944,560.5 | 27,840,526.6 | 30,052,135.1 | 13,245,652.0 | 7,558,691.4 | 5,171,309.7 | 6,131,422.3 | 640,131.3 | 1,441,353.3 | 2,160,349.9 | 143,186,132.0 | | Inversiones a Costo Amortizado, Neto | 7,526,360.9 | 4,102,875.9 | 0.0 | 1,629,063.4 | 0.0 | 249,036.1 | 2,998,765.2 | 54,759.2 | 363.0 | 107,517.3 | 16,668,740.9 | | Cartera de Créditos, Neta | 41,418,199.6 | 23,737,650.7 | 30,052,135.1 | 11,616,588.6 | 7,558,691.4 | 4,922,273.5 | 3,132,657.1 | 585,372.1 | 1,440,990.3 | 2,052,832.7 | 126,517,391.1 | | Vigentes | 38,916,288.8 | 20,938,633.2 | 27,069,244.4 | 10,498,538.0 | 6,865,039.9 | 4,711,263.4 | 3,199,464.1 | 591,165.6 | 1,428,591.4 | 2,014,660.1 | 116,232,889.0 | | Prorrogados | 38,043.5 | 3,989.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 29.4 | 42,062.8 | | Reestructurados | 2,821,897.4 | 2,971,841.3 | 4,938,315.1 | 1,103,561.8 | 734,263.7 | 387,947.2 | 43,760.3 | 0.0 | 54,603.1 | 26,245.0 | 13,082,434.9 | | Vencidos | 232,841.4 | 364,574.1 | 523,097.3 | 126,764.8 | 125,482.7 | 32,913.9 | 0.0 | 0.0 | 27,407.6 | 46,998.5 | 1,480,080.3 | | Cobro Judicial | 340,231.2 | 609,145.6 | 513,397.4 | 237,882.5 | 11,742.6 | 2,018.0 | 32,043.4 | 0.0 | 0.0 | 2,063.9 | 1,748,524.6 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -79,409.1 | -98,968.2 | -147,294.3 | -23,976.7 | -7,322.1 | -19,694.9 | -3,401.7 | -2,330.0 | -3,895.1 | 0.0 | -386,292.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 579,459.0 | 324,362.9 | 314,498.2 | 156,706.6 | 105,080.4 | 84,182.8 | 49,485.5 | 2,133.7 | 27,068.5 | 69,663.1 | 1,712,640.7 | | (-) Provisión de Cartera de Créditos | -1,431,152.7 | -1,375,927.9 | -3,159,123.0 | -482,888.5 | -275,595.9 | -276,356.9 | -188,694.6 | -5,597.2 | -92,785.2 | -106,827.5 | -7,394,949.3 | | Cuentas por Cobrar, Neto | 215,880.0 | 741,153.4 | 102,439.0 | 45,173.6 | 30,533.8 | 69,708.3 | 8,357.1 | 1,633.6 | 23,048.0 | 11,418.2 | 1,249,345.0 | | 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 | 525,151.6 | 352,497.0 | 24,257.0 | 103,097.8 | 97,227.9 | 3,526.4 | 0.0 | 0.0 | 310.8 | 4,169.0 | 1,110,237.5 | | Participaciones | 311,601.1 | 1,929,902.3 | 86,786.1 | 36,512.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,364,802.2 | | Activo Material | 1,958,485.5 | 811,610.2 | 1,099,299.6 | 271,995.7 | 380,854.5 | 258,579.0 | 156,515.7 | 21,149.4 | 88,725.9 | 36,775.6 | 5,083,991.1 | | Activos Intangibles | 291,909.3 | 134,952.7 | 1,264.1 | 51,538.8 | 178,168.1 | 47,591.7 | 6,058.5 | 22,928.7 | 22,083.7 | 13,897.6 | 770,393.1 | | Activos Fiscales | 11,250.8 | 287,365.2 | 0.0 | 242,412.8 | 204,981.2 | 890.0 | 8,744.2 | 177.2 | 11,411.0 | 14,305.0 | 781,537.4 | | Otros Activos | 264,276.1 | 179,290.2 | 49,041.5 | 115,064.2 | 86,944.7 | 17,809.7 | 10,766.5 | 5,394.2 | 18,528.3 | 5,922.1 | 753,037.4 | | Pasivo | 68,259,177.5 | 58,079,614.9 | 48,117,077.0 | 17,056,630.2 | 17,841,466.5 | 6,038,110.6 | 1,459,931.4 | 507,789.7 | 1,595,695.7 | 2,314,730.1 | 221,270,223.6 | | Pasivos Financieros a Costo Amortizado | 66,231,270.2 | 55,003,263.0 | 46,990,317.8 | 16,303,471.8 | 17,287,796.8 | 5,875,345.3 | 1,375,725.0 | 460,987.6 | 1,505,983.0 | 2,095,300.5 | 213,129,461.0 | | Obligaciones con el Público | 54,293,710.1 | 46,116,309.8 | 45,080,953.0 | 12,047,921.6 | 12,239,791.2 | 4,418,856.0 | 0.0 | 264,650.7 | 0.0 | 0.0 | 174,462,192.3 | | Moneda Nacional | 21,904,616.2 | 13,467,205.6 | 12,001,374.2 | 2,068,257.2 | 1,596,084.2 | 559,282.8 | 0.0 | 11,099.5 | 0.0 | 0.0 | 51,607,919.6 | | Depósitos a la Vista | 13,028,020.8 | 7,870,314.1 | 8,042,446.5 | 454,653.2 | 1,044,121.1 | 336,945.3 | 0.0 | 10,309.2 | 0.0 | 0.0 | 30,786,810.2 | | Depósitos de Ahorro | 7,682,372.0 | 5,197,541.0 | 3,693,284.9 | 1,556,207.8 | 247,502.1 | 207,673.9 | 0.0 | 790.3 | 0.0 | 0.0 | 18,585,371.9 | | Depósitos a Plazo | 1,194,223.5 | 399,350.5 | 265,642.8 | 57,396.2 | 304,461.0 | 14,663.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,235,737.6 | | 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 | 32,213,210.0 | 32,530,098.0 | 32,992,354.7 | 9,888,766.0 | 10,581,447.7 | 3,839,735.1 | 0.0 | 252,782.4 | 0.0 | 0.0 | 122,298,394.0 | | Depósitos a la Vista | 9,379,634.0 | 10,367,014.1 | 11,059,257.7 | 806,492.1 | 2,891,255.3 | 922,394.6 | 0.0 | 58,855.8 | 0.0 | 0.0 | 35,484,903.6 | | Depósitos de Ahorro | 14,797,714.7 | 15,723,852.5 | 16,456,162.8 | 4,981,969.0 | 2,721,932.0 | 1,454,354.3 | 0.0 | 16,501.3 | 0.0 | 0.0 | 56,152,486.6 | | Depósitos a Plazo | 8,035,861.3 | 6,439,231.4 | 5,476,934.2 | 4,100,304.9 | 4,968,260.5 | 1,462,986.1 | 0.0 | 177,425.4 | 0.0 | 0.0 | 30,661,003.8 | | 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 | 175,883.8 | 119,006.3 | 87,224.1 | 90,898.4 | 62,259.3 | 19,838.1 | 0.0 | 768.8 | 0.0 | 0.0 | 555,878.7 | | Otras Obligaciones Diversas con el Público | 666,398.8 | 358,581.5 | 228,000.0 | 62,338.2 | 54,176.9 | 75,364.8 | 1,657.9 | 66.6 | 515.4 | 0.0 | 1,447,100.1 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,329,959.6 | 2,316,657.8 | 1,343,981.0 | 1,182,218.3 | 2,570,134.5 | 533,573.1 | 0.0 | 196,270.3 | 0.0 | 0.0 | 10,472,794.6 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 12,680.1 | 0.0 | 0.0 | 0.0 | 0.0 | 14,820.7 | 0.0 | 27,500.7 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 429,167.8 | 197,604.7 | 0.0 | 0.0 | 0.0 | 0.0 | 626,772.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,387,141.5 | 6,210,956.0 | 337,383.9 | 2,734,490.0 | 1,404,035.1 | 594,114.3 | 1,374,067.1 | 0.0 | 1,490,646.9 | 2,095,300.5 | 24,628,135.3 | | Obligaciones con el Banco Central de Nicaragua | 554,060.2 | 757.8 | 0.0 | 263,823.7 | 590,491.3 | 55,832.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,464,965.6 | | 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 | 128,258.8 | 362,584.3 | 227,832.1 | 104,077.8 | 256,962.1 | 46,800.4 | 34,274.4 | 159.9 | 19,847.0 | 15,070.1 | 1,195,866.8 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,015,257.9 | 2,113,113.0 | 0.0 | 431,165.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 118,146.2 | 3,677,682.6 | | Otros Pasivos y Provisiones | 884,390.6 | 600,654.7 | 898,927.0 | 217,915.1 | 296,707.6 | 115,965.0 | 49,932.0 | 46,642.2 | 69,865.7 | 86,213.3 | 3,267,213.2 | | PATRIMONIO | 11,322,942.9 | 10,218,123.3 | 12,011,926.3 | 2,097,791.7 | 2,315,313.2 | 1,141,518.7 | 5,304,140.9 | 507,867.3 | 330,419.3 | 662,166.8 | 45,912,210.4 | | Fondos Propios | 11,252,184.5 | 9,874,535.6 | 11,591,109.6 | 2,077,795.5 | 1,951,971.6 | 1,082,881.3 | 5,220,890.9 | 507,867.3 | 284,902.7 | 632,087.0 | 44,476,226.0 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 879,702.5 | 838,390.9 | 4,408,884.1 | 672,084.0 | 345,032.0 | 700,710.0 | 19,879,283.9 | | 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 | 519,017.1 | 0.0 | 3,667.8 | 19,345.4 | 7,774,481.8 | | Resultados Acumulados | 4,306,099.4 | 3,270,140.4 | 6,324,333.8 | 563,618.1 | 618,967.7 | 121,387.9 | 0.0 | -157,260.0 | -70,410.1 | -173,253.8 | 14,803,623.3 | | Resultado del Ejercicio | 185,249.5 | 206,513.7 | 296,026.6 | 35,058.7 | 50,075.3 | 22,981.0 | 34,571.7 | -6,956.7 | 6,613.0 | 14,583.0 | 844,715.7 | | Otro Resultado Integral Neto | -63,410.7 | -130,916.2 | 67,545.0 | 8,930.8 | 154,168.8 | 4,934.3 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | 64,293.0 | | Ajustes de Transición | 134,169.1 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,874.2 | 27,055.6 | 1,371,691.3 | | CUENTAS CONTINGENTES | 14,099,327.0 | 16,521,153.4 | 10,490,755.7 | 1,048,843.9 | 7,933,129.0 | 810,521.5 | 0.0 | 0.0 | 0.0 | 0.0 | 50,903,730.4 | | CUENTAS DE ORDEN | 109,299,786.5 | 47,729,593.3 | 291,085,433.0 | 46,365,632.6 | 20,628,418.6 | 18,840,333.2 | 10,462,298.4 | 1,866,943.5 | 2,048,920.9 | 3,544,691.4 | 551,872,051.4 |
| | 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 28 DE FEBRERO DE 2022 C$ 35.6348 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. |
|
