| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 80,343,433.0 | 66,835,623.0 | 61,523,637.3 | 19,400,305.0 | 20,454,873.2 | 7,168,023.3 | 6,808,861.0 | 1,032,701.3 | 2,005,040.7 | 2,939,424.0 | 268,511,921.9 | | Efectivo y Equivalentes de Efectivo | 24,493,178.5 | 18,029,591.5 | 17,239,479.2 | 4,554,371.0 | 4,863,589.4 | 1,727,214.5 | 798,014.0 | 324,171.3 | 359,183.7 | 637,239.0 | 73,026,032.1 | | Moneda Nacional | 5,657,764.6 | 3,584,426.7 | 5,206,153.1 | 1,027,080.4 | 635,098.9 | 404,633.8 | 75,363.7 | 31,803.7 | 165,641.0 | 325,226.7 | 17,113,192.4 | | Caja | 1,894,139.3 | 1,145,343.1 | 2,142,777.0 | 205,660.1 | 293,064.2 | 189,387.5 | 149.4 | 9,438.2 | 18,146.5 | 62,884.0 | 5,960,989.1 | | Banco Central de Nicaragua | 3,453,505.9 | 2,041,667.3 | 2,778,144.5 | 703,746.4 | 290,278.6 | 86,028.6 | 50.3 | 18,613.0 | 8.2 | 0.0 | 9,372,042.7 | | Instituciones Financieras | 310,119.4 | 396,860.2 | 285,231.6 | 117,673.9 | 49,320.2 | 129,217.7 | 75,164.0 | 2,462.9 | 147,486.3 | 262,342.7 | 1,775,879.0 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 1,289.6 | 0.0 | 0.0 | 4,281.7 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 18,835,413.9 | 14,445,164.9 | 12,033,326.2 | 3,527,290.5 | 4,228,490.5 | 1,322,580.8 | 722,650.3 | 292,367.6 | 193,542.8 | 312,012.3 | 55,912,839.7 | | Caja | 1,411,428.1 | 879,357.3 | 2,079,269.0 | 174,885.9 | 403,115.9 | 426,888.4 | 898.9 | 23,356.3 | 21,453.0 | 43,309.0 | 5,463,961.8 | | Banco Central de Nicaragua | 5,398,574.2 | 5,065,867.3 | 5,761,428.7 | 2,344,048.7 | 2,591,960.4 | 736,072.2 | 8,055.3 | 82,515.0 | 93,437.5 | 0.0 | 22,081,959.3 | | Instituciones Financieras | 6,943,645.8 | 1,469,096.3 | 3,656,312.6 | 618,249.4 | 627,670.1 | 120,124.9 | 713,696.1 | 23,110.9 | 76,453.5 | 268,703.3 | 14,517,062.9 | | Depósitos Restringidos | 268,183.4 | 766,017.4 | 0.0 | 33,854.3 | 105,108.3 | 3,762.9 | 0.0 | 38,188.4 | 2,198.8 | 0.0 | 1,217,313.4 | | Equivalentes de Efectivo | 4,813,582.5 | 6,264,826.5 | 536,315.9 | 356,252.2 | 500,635.9 | 35,732.3 | 0.0 | 125,197.0 | 0.0 | 0.0 | 12,632,542.2 | | 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 | 1,491,915.4 | 16,977,780.1 | 10,868,036.5 | 167,133.4 | 7,004,860.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,516,725.4 | | Cartera a Costo Amortizado | 50,672,588.4 | 27,680,096.8 | 31,751,269.9 | 13,779,565.7 | 7,676,550.3 | 5,024,884.0 | 5,824,238.7 | 656,032.8 | 1,485,193.7 | 2,203,009.6 | 146,753,429.8 | | Inversiones a Costo Amortizado, Neto | 8,559,982.5 | 4,037,236.7 | 0.0 | 2,003,213.4 | 0.0 | 142,932.2 | 2,700,743.1 | 53,549.3 | 367.4 | 107,610.2 | 17,605,634.6 | | Cartera de Créditos, Neta | 42,112,605.9 | 23,642,860.1 | 31,751,269.9 | 11,776,352.4 | 7,676,550.3 | 4,881,951.8 | 3,123,495.6 | 602,483.5 | 1,484,826.3 | 2,095,399.4 | 129,147,795.2 | | Vigentes | 39,664,532.3 | 21,043,529.1 | 28,954,978.4 | 10,709,459.1 | 7,024,900.9 | 4,700,535.6 | 3,185,826.7 | 608,233.3 | 1,471,968.0 | 2,060,656.6 | 119,424,620.1 | | Prorrogados | 33,868.1 | 22,948.8 | 3,472.7 | 271.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 273.8 | 60,835.2 | | Reestructurados | 2,771,559.6 | 2,794,420.2 | 5,065,233.2 | 1,054,748.6 | 711,699.5 | 370,670.7 | 43,506.0 | 0.0 | 51,910.3 | 19,742.8 | 12,883,490.8 | | Vencidos | 246,391.4 | 364,846.4 | 309,657.7 | 140,251.3 | 104,202.9 | 27,362.8 | 0.0 | 0.0 | 28,807.1 | 48,866.0 | 1,270,385.6 | | Cobro Judicial | 324,762.9 | 538,563.6 | 509,609.5 | 188,412.0 | 12,440.2 | 4,898.9 | 30,710.9 | 0.0 | 0.0 | 2,078.2 | 1,611,476.2 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -82,063.1 | -102,510.7 | -145,654.7 | -26,294.1 | -7,005.0 | -19,723.3 | -3,245.0 | -2,406.3 | -4,237.9 | 0.0 | -393,140.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 583,427.9 | 313,454.9 | 284,059.3 | 155,657.4 | 106,103.0 | 75,619.6 | 56,461.3 | 2,389.6 | 30,032.6 | 70,502.2 | 1,677,707.8 | | (-) Provisión de Cartera de Créditos | -1,429,873.2 | -1,332,392.2 | -3,230,086.3 | -446,153.7 | -275,791.1 | -277,412.6 | -189,764.3 | -5,733.1 | -93,653.8 | -106,720.2 | -7,387,580.3 | | Cuentas por Cobrar, Neto | 271,660.0 | 693,614.7 | 119,576.8 | 45,309.6 | 22,038.6 | 83,255.6 | 5,206.0 | 1,540.1 | 19,776.7 | 11,241.6 | 1,273,219.7 | | 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 | 423,892.1 | 342,946.0 | 20,042.9 | 93,758.5 | 96,156.2 | 1,920.8 | 0.0 | 0.0 | 0.4 | 4,169.0 | 982,886.0 | | Participaciones | 311,601.1 | 1,951,623.0 | 87,993.6 | 37,090.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,388,307.9 | | Activo Material | 1,962,106.9 | 807,466.8 | 1,102,375.0 | 271,341.1 | 378,424.4 | 256,873.4 | 157,278.1 | 20,451.1 | 87,643.0 | 38,486.3 | 5,082,446.1 | | Activos Intangibles | 281,299.9 | 133,380.9 | 1,034.2 | 59,607.7 | 182,537.2 | 48,487.9 | 4,912.5 | 22,343.0 | 28,050.7 | 11,416.7 | 773,070.7 | | Activos Fiscales | 9,050.8 | 36,311.5 | 0.0 | 249,392.2 | 135,199.2 | 1,047.6 | 8,630.7 | 326.0 | 12,048.2 | 14,306.6 | 466,312.8 | | Otros Activos | 426,139.9 | 182,811.5 | 333,829.2 | 142,735.6 | 95,517.8 | 17,589.6 | 10,331.0 | 7,837.0 | 13,144.4 | 19,555.3 | 1,249,491.4 | | Pasivo | 68,893,545.0 | 56,621,388.6 | 49,282,365.9 | 17,267,157.4 | 18,086,309.0 | 6,004,611.4 | 1,459,665.8 | 534,100.2 | 1,667,999.2 | 2,271,282.8 | 222,088,425.0 | | Pasivos Financieros a Costo Amortizado | 66,569,023.6 | 53,771,836.9 | 47,953,063.4 | 16,593,868.4 | 17,561,695.8 | 5,832,905.7 | 1,379,838.2 | 485,962.1 | 1,574,902.5 | 2,032,670.1 | 213,755,766.8 | | Obligaciones con el Público | 54,524,461.0 | 44,772,749.4 | 46,158,146.2 | 12,405,520.5 | 13,155,719.7 | 4,553,257.7 | 0.0 | 280,709.6 | 0.0 | 0.0 | 175,850,564.2 | | Moneda Nacional | 21,300,686.6 | 12,853,766.9 | 12,110,371.7 | 2,370,409.8 | 1,757,329.0 | 610,928.0 | 0.0 | 11,393.7 | 0.0 | 0.0 | 51,014,885.8 | | Depósitos a la Vista | 11,729,666.8 | 7,219,057.5 | 8,156,218.4 | 534,271.2 | 1,208,057.2 | 402,219.7 | 0.0 | 10,270.9 | 0.0 | 0.0 | 29,259,761.8 | | Depósitos de Ahorro | 8,401,576.6 | 5,215,575.5 | 3,685,359.0 | 1,749,232.3 | 235,667.7 | 192,621.5 | 0.0 | 1,122.8 | 0.0 | 0.0 | 19,481,155.4 | | Depósitos a Plazo | 1,169,443.2 | 419,133.9 | 268,794.3 | 86,906.3 | 313,604.1 | 16,086.8 | 0.0 | 0.0 | 0.0 | 0.0 | 2,273,968.6 | | 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 | 33,070,195.1 | 31,799,832.8 | 33,958,528.3 | 9,948,782.3 | 11,326,577.9 | 3,920,798.4 | 0.0 | 268,264.2 | 0.0 | 0.0 | 124,292,979.1 | | Depósitos a la Vista | 9,256,902.0 | 9,125,214.7 | 11,317,661.2 | 893,462.2 | 3,168,437.5 | 901,461.0 | 0.0 | 48,488.4 | 0.0 | 0.0 | 34,711,627.0 | | Depósitos de Ahorro | 14,967,547.2 | 16,396,328.7 | 17,234,147.8 | 5,023,252.7 | 2,646,798.0 | 1,537,276.1 | 0.0 | 12,667.7 | 0.0 | 0.0 | 57,818,018.3 | | Depósitos a Plazo | 8,845,745.8 | 6,278,289.4 | 5,406,719.3 | 4,032,067.4 | 5,511,342.5 | 1,482,061.2 | 0.0 | 207,108.1 | 0.0 | 0.0 | 31,763,333.8 | | 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 | 153,579.2 | 119,149.7 | 89,246.2 | 86,328.3 | 71,812.8 | 21,531.3 | 0.0 | 1,051.7 | 0.0 | 0.0 | 542,699.3 | | Otras Obligaciones Diversas con el Público | 523,475.7 | 601,425.2 | 263,595.1 | 73,443.3 | 46,601.2 | 99,451.2 | 1,663.4 | 75.6 | 3.6 | 0.0 | 1,609,734.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,876,641.7 | 2,157,915.7 | 1,261,154.6 | 1,245,872.1 | 2,341,791.9 | 432,382.3 | 0.0 | 205,176.9 | 0.0 | 0.0 | 10,520,935.2 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 12,684.9 | 0.0 | 0.0 | 0.0 | 0.0 | 14,778.6 | 0.0 | 27,463.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 5,379.5 | 113,299.1 | 0.0 | 0.0 | 0.0 | 0.0 | 118,678.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,099,814.0 | 6,238,851.0 | 270,167.5 | 2,589,096.6 | 1,150,812.7 | 578,511.8 | 1,378,174.8 | 0.0 | 1,560,120.3 | 2,032,670.1 | 23,898,218.8 | | Obligaciones con el Banco Central de Nicaragua | 544,631.2 | 895.5 | 0.0 | 267,251.0 | 861,390.7 | 56,003.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,730,172.2 | | 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 | 130,436.5 | 157,626.2 | 213,711.0 | 102,765.9 | 188,507.1 | 46,709.3 | 31,375.8 | 137.7 | 20,054.6 | 15,767.9 | 907,091.8 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,034,840.1 | 2,144,840.0 | 0.0 | 358,437.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 115,356.6 | 3,653,474.3 | | Otros Pasivos y Provisiones | 1,159,244.8 | 547,085.5 | 1,115,591.5 | 212,085.4 | 336,106.1 | 124,996.4 | 48,451.7 | 48,000.4 | 73,042.1 | 107,488.2 | 3,772,092.1 | | PATRIMONIO | 11,449,888.0 | 10,214,234.4 | 12,241,271.5 | 2,133,147.6 | 2,368,564.2 | 1,163,412.0 | 5,349,195.2 | 498,601.2 | 337,041.5 | 668,141.2 | 46,423,496.8 | | Fondos Propios | 11,447,736.1 | 10,039,684.3 | 11,840,506.2 | 2,112,582.7 | 2,013,080.3 | 1,104,291.4 | 5,265,945.2 | 498,601.2 | 291,524.9 | 638,061.5 | 45,252,013.8 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 879,702.5 | 838,390.9 | 4,411,330.6 | 672,084.0 | 345,032.0 | 700,710.0 | 19,881,730.3 | | 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 | -69,544.5 | -173,253.8 | 14,804,899.0 | | Resultado del Ejercicio | 380,391.0 | 371,662.3 | 545,423.2 | 69,846.0 | 111,184.0 | 44,391.0 | 77,179.6 | -16,222.8 | 12,369.7 | 20,557.4 | 1,616,781.3 | | Otro Resultado Integral Neto | -131,607.0 | -299,953.8 | 47,493.5 | 9,499.5 | 146,311.1 | 5,417.5 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -199,798.1 | | 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 | 12,956,264.2 | 16,003,613.8 | 10,726,697.2 | 1,099,185.3 | 8,335,763.3 | 869,809.0 | 0.0 | 0.0 | 0.0 | 0.0 | 49,991,332.8 | | CUENTAS DE ORDEN | 110,603,098.9 | 47,100,286.4 | 303,685,139.7 | 46,519,981.4 | 20,054,356.7 | 19,310,673.5 | 10,498,974.0 | 1,924,579.5 | 2,066,059.0 | 3,574,026.2 | 565,337,175.2 |
| | 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 30 DE ABRIL DE 2022 C$ 35.7530 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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