| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 81,456,290.5 | 66,798,916.6 | 60,924,506.1 | 19,428,345.8 | 19,340,415.6 | 7,278,157.7 | 6,789,137.8 | 1,034,603.8 | 1,984,998.1 | 2,936,111.1 | 267,971,483.1 | | Efectivo y Equivalentes de Efectivo | 26,306,807.5 | 18,117,816.2 | 18,275,742.2 | 4,601,231.7 | 4,643,898.8 | 1,787,169.7 | 616,179.0 | 350,467.2 | 361,039.0 | 642,601.8 | 75,702,953.0 | | Moneda Nacional | 6,694,002.3 | 3,991,848.9 | 5,124,031.5 | 872,313.5 | 570,897.5 | 355,761.3 | 175,345.0 | 73,699.8 | 180,749.5 | 296,415.8 | 18,335,065.1 | | Caja | 2,418,639.1 | 1,413,350.5 | 2,018,465.8 | 167,830.9 | 275,214.2 | 153,513.3 | 227.7 | 17,841.0 | 18,291.6 | 79,088.9 | 6,562,463.0 | | Banco Central de Nicaragua | 3,615,691.3 | 1,923,222.8 | 2,976,008.1 | 654,842.6 | 215,334.4 | 90,496.9 | 99.9 | 53,670.8 | 0.0 | 0.0 | 9,529,366.9 | | Instituciones Financieras | 109,637.5 | 154,586.1 | 129,557.6 | 49,639.9 | 77,913.0 | 111,751.1 | 175,017.4 | 1,136.9 | 127,449.5 | 217,326.9 | 1,154,016.0 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 1,051.0 | 35,008.4 | 0.0 | 39,051.5 | | Equivalentes de Efectivo | 550,034.4 | 500,133.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,050,167.7 | | Moneda Extranjera | 19,612,805.2 | 14,125,967.3 | 13,151,710.7 | 3,728,918.2 | 4,073,001.2 | 1,431,408.4 | 440,834.0 | 276,767.4 | 180,289.5 | 346,186.0 | 57,367,887.9 | | Caja | 1,068,675.0 | 823,614.8 | 1,836,724.8 | 215,716.5 | 385,930.8 | 407,957.3 | 902.2 | 15,007.5 | 21,471.2 | 38,611.8 | 4,814,611.9 | | Banco Central de Nicaragua | 4,929,453.1 | 4,677,250.1 | 5,821,204.7 | 2,236,921.3 | 2,351,813.0 | 744,416.3 | 15,605.6 | 160,391.2 | 0.0 | 0.0 | 20,937,055.3 | | Instituciones Financieras | 8,183,535.6 | 1,451,887.5 | 4,422,919.3 | 886,552.9 | 694,823.0 | 275,278.0 | 424,326.2 | 39,024.4 | 84,754.6 | 307,574.1 | 16,770,675.6 | | Depósitos Restringidos | 267,859.3 | 760,699.8 | 0.0 | 33,795.9 | 104,937.2 | 3,756.8 | 0.0 | 26,649.0 | 74,063.7 | 0.0 | 1,271,761.7 | | Equivalentes de Efectivo | 5,163,282.2 | 6,412,515.1 | 1,070,861.8 | 355,931.5 | 535,497.4 | 0.0 | 0.0 | 35,695.4 | 0.0 | 0.0 | 13,573,783.4 | | 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 | 1,518,965.5 | 17,196,073.6 | 10,115,169.9 | 165,479.0 | 6,345,511.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 35,348,199.0 | | Cartera a Costo Amortizado | 50,108,383.1 | 27,503,280.8 | 31,108,681.0 | 13,780,300.6 | 7,457,436.3 | 5,108,867.2 | 5,986,307.8 | 625,157.5 | 1,473,937.8 | 2,198,010.5 | 145,350,362.5 | | Inversiones a Costo Amortizado, Neto | 8,187,066.6 | 4,017,903.5 | 0.0 | 1,996,847.1 | 0.0 | 213,954.4 | 2,865,573.7 | 53,100.7 | 365.2 | 107,161.9 | 17,441,973.2 | | Cartera de Créditos, Neta | 41,921,316.5 | 23,485,377.3 | 31,108,681.0 | 11,783,453.4 | 7,457,436.3 | 4,894,912.8 | 3,120,734.2 | 572,056.7 | 1,473,572.6 | 2,090,848.6 | 127,908,389.3 | | Vigentes | 39,425,733.1 | 20,759,163.1 | 28,255,718.0 | 10,708,327.2 | 6,790,546.7 | 4,704,624.0 | 3,185,322.0 | 577,217.0 | 1,458,563.5 | 2,054,950.3 | 117,920,164.8 | | Prorrogados | 38,338.1 | 23,070.1 | 0.0 | 271.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 276.3 | 61,955.9 | | Reestructurados | 2,796,690.8 | 2,885,314.5 | 4,955,019.0 | 1,079,702.1 | 722,084.2 | 373,672.1 | 43,674.1 | 0.0 | 53,538.2 | 22,877.5 | 12,932,572.5 | | Vencidos | 238,832.7 | 369,610.2 | 437,943.8 | 124,456.2 | 110,252.0 | 28,669.3 | 0.0 | 0.0 | 28,895.1 | 47,071.6 | 1,385,731.0 | | Cobro Judicial | 340,478.4 | 542,711.8 | 506,150.2 | 210,130.9 | 11,759.4 | 3,311.2 | 32,046.9 | 0.0 | 0.0 | 2,101.3 | 1,648,690.2 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -80,232.6 | -99,808.0 | -147,293.7 | -25,473.0 | -6,627.7 | -19,822.3 | -3,150.9 | -2,239.6 | -4,092.3 | 0.0 | -388,740.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 597,650.1 | 327,433.4 | 312,561.3 | 158,775.9 | 103,594.2 | 81,295.8 | 53,118.0 | 2,539.8 | 30,685.0 | 72,862.1 | 1,740,515.7 | | (-) Provisión de Cartera de Créditos | -1,436,174.2 | -1,322,117.8 | -3,211,417.8 | -472,737.2 | -274,172.6 | -276,837.4 | -190,276.0 | -5,460.5 | -94,016.9 | -109,290.5 | -7,392,500.8 | | Cuentas por Cobrar, Neto | 185,358.7 | 546,268.6 | 100,311.3 | 42,830.8 | 24,966.2 | 51,399.7 | 6,473.1 | 1,620.6 | 15,257.6 | 10,286.3 | 984,772.8 | | 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 | 509,473.0 | 348,175.5 | 22,177.3 | 102,691.7 | 96,692.5 | 1,920.8 | 0.0 | 0.0 | 8.4 | 4,169.0 | 1,085,308.2 | | Participaciones | 311,601.1 | 1,945,887.6 | 87,595.5 | 37,042.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,382,126.9 | | Activo Material | 1,979,321.9 | 807,042.9 | 1,102,874.7 | 272,405.7 | 378,285.3 | 257,509.9 | 155,645.2 | 20,913.4 | 88,403.9 | 36,958.9 | 5,099,361.8 | | Activos Intangibles | 285,734.4 | 131,284.7 | 1,149.2 | 61,001.5 | 182,470.3 | 46,568.1 | 5,482.1 | 24,061.8 | 24,859.2 | 12,659.8 | 775,270.9 | | Activos Fiscales | 10,175.9 | 24,747.1 | 0.0 | 247,793.9 | 125,176.1 | 1,066.5 | 8,744.2 | 484.9 | 11,292.9 | 14,311.3 | 443,792.7 | | Otros Activos | 240,469.4 | 178,339.7 | 110,805.2 | 117,568.1 | 85,979.2 | 16,905.8 | 10,056.5 | 11,898.5 | 10,199.4 | 17,113.5 | 799,335.1 | | Pasivo | 70,076,942.5 | 56,571,537.0 | 48,811,743.3 | 17,310,062.0 | 16,991,723.4 | 6,123,760.1 | 1,463,730.2 | 531,171.2 | 1,651,164.2 | 2,270,199.8 | 221,802,033.7 | | Pasivos Financieros a Costo Amortizado | 68,006,265.5 | 53,770,215.7 | 47,827,875.9 | 16,574,832.9 | 16,494,083.0 | 5,952,665.6 | 1,379,549.3 | 484,138.1 | 1,562,670.2 | 2,041,708.0 | 214,094,004.2 | | Obligaciones con el Público | 54,454,970.3 | 44,831,359.5 | 45,767,456.9 | 12,234,888.8 | 12,446,939.7 | 4,584,875.0 | 0.0 | 282,196.8 | 0.0 | 0.0 | 174,602,687.0 | | Moneda Nacional | 21,477,674.6 | 12,352,675.0 | 11,655,656.7 | 2,132,437.8 | 1,814,271.7 | 602,967.6 | 0.0 | 9,297.9 | 0.0 | 0.0 | 50,044,981.3 | | Depósitos a la Vista | 12,348,301.2 | 6,779,950.1 | 7,887,932.1 | 507,631.5 | 1,258,203.0 | 390,368.9 | 0.0 | 8,444.5 | 0.0 | 0.0 | 29,180,831.3 | | Depósitos de Ahorro | 7,909,229.2 | 5,171,881.7 | 3,501,669.1 | 1,538,509.8 | 254,865.8 | 198,036.4 | 0.0 | 853.4 | 0.0 | 0.0 | 18,575,045.4 | | Depósitos a Plazo | 1,220,144.2 | 400,843.1 | 266,055.5 | 86,296.5 | 301,202.9 | 14,562.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,289,104.6 | | 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 | 32,825,868.5 | 32,359,863.3 | 34,021,005.9 | 10,013,600.9 | 10,568,559.7 | 3,960,722.9 | 0.0 | 272,018.4 | 0.0 | 0.0 | 124,021,639.5 | | Depósitos a la Vista | 9,208,088.1 | 9,981,524.1 | 11,696,930.5 | 831,304.6 | 2,805,497.2 | 982,641.1 | 0.0 | 57,388.5 | 0.0 | 0.0 | 35,563,374.0 | | Depósitos de Ahorro | 14,715,986.9 | 16,047,604.1 | 16,888,878.3 | 5,156,361.6 | 2,614,287.5 | 1,485,540.6 | 0.0 | 25,094.5 | 0.0 | 0.0 | 56,933,753.6 | | Depósitos a Plazo | 8,901,793.4 | 6,330,735.1 | 5,435,197.1 | 4,025,934.7 | 5,148,775.0 | 1,492,541.2 | 0.0 | 189,535.4 | 0.0 | 0.0 | 31,524,512.0 | | 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 | 151,427.2 | 118,821.2 | 90,794.2 | 88,850.2 | 64,108.3 | 21,184.5 | 0.0 | 880.6 | 0.0 | 0.0 | 536,066.1 | | Otras Obligaciones Diversas con el Público | 761,888.7 | 376,591.0 | 262,691.3 | 71,197.3 | 46,491.2 | 48,288.7 | 1,660.7 | 49.9 | 3.6 | 0.0 | 1,568,862.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,447,254.1 | 2,018,690.8 | 1,517,685.8 | 1,301,857.2 | 2,316,470.2 | 513,648.9 | 0.0 | 201,891.4 | 0.0 | 0.0 | 10,317,498.4 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 12,594.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,660.1 | 0.0 | 27,254.0 | | Pasivos por Operaciones de Reporto | 1,300,712.3 | 0.0 | 0.0 | 0.0 | 5,359.2 | 170,295.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,476,367.2 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,484,894.5 | 6,542,751.2 | 280,042.0 | 2,688,731.7 | 1,185,627.9 | 579,428.1 | 1,377,888.6 | 0.0 | 1,548,006.5 | 2,041,708.0 | 24,729,078.5 | | Obligaciones con el Banco Central de Nicaragua | 556,545.5 | 823.2 | 0.0 | 265,563.9 | 493,194.9 | 56,129.3 | 0.0 | 0.0 | 0.0 | 0.0 | 1,372,256.8 | | 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 | 125,999.6 | 130,075.2 | 203,610.4 | 105,036.7 | 179,553.8 | 48,185.1 | 30,012.7 | 147.1 | 20,080.7 | 15,652.0 | 858,353.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,025,194.6 | 2,129,203.3 | 0.0 | 434,518.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 115,117.0 | 3,704,033.7 | | Otros Pasivos y Provisiones | 919,482.7 | 542,042.8 | 780,257.0 | 195,673.6 | 318,086.6 | 122,909.4 | 54,168.2 | 46,885.9 | 68,413.4 | 97,722.8 | 3,145,642.4 | | PATRIMONIO | 11,379,348.0 | 10,227,379.6 | 12,112,762.8 | 2,118,283.8 | 2,348,692.2 | 1,154,397.7 | 5,325,407.6 | 503,432.6 | 333,833.9 | 665,911.3 | 46,169,449.4 | | Fondos Propios | 11,348,195.0 | 9,976,504.7 | 11,714,186.0 | 2,097,980.0 | 1,987,932.1 | 1,095,606.1 | 5,242,157.6 | 503,432.6 | 288,317.2 | 635,831.5 | 44,890,142.8 | | 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 | 4,306,509.5 | 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 | 14,804,033.5 | | Resultado del Ejercicio | 280,849.8 | 308,482.7 | 419,103.0 | 55,243.2 | 86,035.8 | 35,705.8 | 55,838.4 | -11,391.4 | 10,027.6 | 18,327.5 | 1,258,222.4 | | Otro Resultado Integral Neto | -102,605.9 | -223,628.9 | 45,305.0 | 9,238.4 | 151,587.2 | 5,088.5 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -91,974.6 | | Ajustes de Transición | 133,758.9 | 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 | 1,371,281.1 | | CUENTAS CONTINGENTES | 13,464,593.2 | 15,668,301.2 | 10,571,715.9 | 1,062,363.5 | 8,188,808.5 | 833,640.3 | 0.0 | 0.0 | 0.0 | 0.0 | 49,789,422.6 | | CUENTAS DE ORDEN | 108,268,284.7 | 46,844,228.3 | 290,605,849.1 | 46,083,155.2 | 20,077,122.5 | 19,168,095.5 | 10,490,239.5 | 1,883,061.2 | 2,057,375.9 | 3,574,355.3 | 549,051,767.3 |
| | 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 MARZO DE 2022 C$ 35.6948 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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