| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 81,725,863.4 | 69,918,292.0 | 63,312,602.6 | 19,314,285.8 | 20,926,839.0 | 8,022,836.3 | 7,295,672.7 | 1,039,788.9 | 2,105,741.0 | 3,202,602.9 | 276,864,524.6 | | Efectivo y Equivalentes de Efectivo | 24,342,518.2 | 16,408,467.4 | 18,427,343.0 | 4,054,297.3 | 5,771,990.6 | 1,962,795.4 | 496,356.2 | 299,408.5 | 389,253.3 | 724,125.8 | 72,876,555.8 | | Moneda Nacional | 10,697,187.0 | 4,168,525.1 | 5,254,910.3 | 935,052.6 | 854,165.6 | 394,637.1 | 78,570.2 | 49,146.8 | 196,195.7 | 386,149.4 | 23,014,539.7 | | Caja | 2,467,706.7 | 1,462,818.4 | 2,185,225.2 | 263,395.5 | 412,209.2 | 151,311.7 | 141.6 | 16,391.0 | 21,799.2 | 88,939.5 | 7,069,938.0 | | Banco Central de Nicaragua | 4,201,672.1 | 2,497,266.5 | 2,827,924.7 | 470,333.3 | 374,857.7 | 105,739.8 | 117.3 | 29,778.7 | 55,007.4 | 0.0 | 10,562,697.5 | | Instituciones Financieras | 230,328.7 | 207,884.1 | 241,760.4 | 111,283.4 | 59,767.4 | 137,585.6 | 78,311.4 | 1,489.7 | 119,389.1 | 297,209.8 | 1,485,009.5 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,487.4 | 0.0 | 0.0 | 4,586.7 | | Equivalentes de Efectivo | 3,797,479.6 | 0.0 | 0.0 | 90,040.3 | 4,788.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,892,307.9 | | Moneda Extranjera | 13,645,331.2 | 12,239,942.4 | 13,172,432.7 | 3,119,244.8 | 4,917,825.0 | 1,568,158.3 | 417,785.9 | 250,261.7 | 193,057.6 | 337,976.4 | 49,862,016.1 | | Caja | 1,493,224.1 | 834,235.7 | 2,273,256.6 | 243,643.2 | 457,167.5 | 454,019.4 | 1,086.0 | 15,270.0 | 25,315.3 | 37,802.5 | 5,835,020.2 | | Banco Central de Nicaragua | 5,295,446.3 | 5,127,069.1 | 8,115,128.7 | 1,731,813.9 | 1,980,038.7 | 716,274.4 | 76,198.7 | 85,239.5 | 80,985.6 | 0.0 | 23,208,195.0 | | Instituciones Financieras | 3,351,758.7 | 2,211,749.4 | 1,341,927.3 | 713,426.2 | 1,006,546.9 | 214,436.7 | 340,501.2 | 26,558.1 | 86,756.8 | 300,173.9 | 9,593,835.2 | | Depósitos Restringidos | 267,973.1 | 827,733.2 | 0.0 | 34,306.2 | 106,307.7 | 3,813.5 | 0.0 | 33,061.6 | 0.0 | 0.0 | 1,273,195.2 | | Equivalentes de Efectivo | 3,236,928.9 | 3,239,154.9 | 1,442,120.1 | 396,055.3 | 1,367,764.3 | 179,614.4 | 0.0 | 90,132.5 | 0.0 | 0.0 | 9,951,770.4 | | 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 | 1,453,441.5 | 18,918,357.0 | 10,211,518.3 | 168,836.6 | 6,062,959.4 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,822,112.8 | | Cartera a Costo Amortizado | 52,457,227.9 | 30,581,087.9 | 33,126,940.9 | 14,406,518.4 | 8,153,213.4 | 5,677,489.6 | 6,618,162.1 | 686,240.8 | 1,559,915.3 | 2,367,358.9 | 155,634,155.3 | | Inversiones a Costo Amortizado, Neto | 7,633,721.7 | 5,184,002.1 | 0.0 | 2,060,939.3 | 5,569.8 | 35,958.0 | 2,452,411.0 | 53,676.3 | 378.3 | 180,405.1 | 17,607,061.6 | | Cartera de Créditos, Neta | 44,823,506.2 | 25,397,085.8 | 33,126,940.9 | 12,345,579.1 | 8,147,643.6 | 5,641,531.5 | 4,165,751.0 | 632,564.5 | 1,559,537.0 | 2,186,953.8 | 138,027,093.7 | | Vigentes | 42,548,783.5 | 23,255,198.9 | 32,178,866.4 | 11,373,742.9 | 7,535,873.0 | 5,480,640.7 | 4,225,466.4 | 638,207.7 | 1,548,218.8 | 2,121,580.6 | 130,906,578.9 | | Prorrogados | 63,259.7 | 2,329.5 | 5,280.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 70,869.5 | | Reestructurados | 2,719,272.8 | 2,457,154.4 | 3,372,436.7 | 925,745.0 | 679,246.4 | 330,747.9 | 11,529.2 | 0.0 | 47,549.7 | 11,984.1 | 10,555,666.2 | | Vencidos | 253,671.9 | 257,140.1 | 408,625.4 | 124,959.3 | 64,938.4 | 38,815.9 | 26,766.7 | 0.0 | 31,029.8 | 56,702.6 | 1,262,650.0 | | Cobro Judicial | 238,654.0 | 583,880.1 | 452,557.7 | 189,116.0 | 15,081.8 | 9,173.4 | 943.6 | 0.0 | 0.0 | 0.0 | 1,489,406.5 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -88,030.5 | -123,288.6 | -152,629.6 | -27,509.8 | -9,164.1 | -24,815.9 | -3,474.6 | -1,986.1 | -4,252.8 | 0.0 | -435,152.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 536,205.0 | 282,435.7 | 291,373.7 | 171,608.7 | 111,917.1 | 82,910.3 | 66,054.2 | 2,342.9 | 32,169.6 | 94,501.9 | 1,671,518.9 | | (-) Provisión de Cartera de Créditos | -1,448,310.2 | -1,317,764.2 | -3,429,569.6 | -412,083.0 | -250,248.9 | -275,940.6 | -161,534.4 | -6,000.0 | -95,178.0 | -97,815.4 | -7,494,444.2 | | Cuentas por Cobrar, Neto | 228,733.8 | 506,978.1 | 111,234.2 | 44,313.2 | 42,316.4 | 52,526.3 | 3,701.0 | 5,240.3 | 16,904.3 | 15,208.2 | 1,027,155.8 | | 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 | 277,457.4 | 247,639.7 | 12,306.1 | 35,854.9 | 62,356.0 | 2,912.4 | 0.0 | 0.0 | 0.4 | 3,499.2 | 642,026.0 | | Participaciones | 325,684.9 | 1,989,240.6 | 94,735.0 | 37,922.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,447,583.1 | | Activo Material | 1,979,692.4 | 795,507.4 | 1,111,197.0 | 271,314.2 | 384,608.4 | 253,427.4 | 160,022.1 | 18,065.5 | 86,832.7 | 59,881.6 | 5,120,548.8 | | Activos Intangibles | 272,334.8 | 133,048.5 | 459.5 | 56,281.2 | 169,698.0 | 45,947.3 | 3,943.5 | 16,485.1 | 25,961.7 | 7,638.2 | 731,797.7 | | Activos Fiscales | 3,425.5 | 83,341.3 | 0.0 | 106,178.5 | 190,429.8 | 4,286.7 | 8,063.1 | 412.6 | 11,453.2 | 14,468.4 | 422,059.1 | | Otros Activos | 385,347.0 | 254,624.0 | 216,868.6 | 132,768.7 | 89,267.0 | 16,701.2 | 5,174.9 | 13,936.1 | 15,420.1 | 10,422.6 | 1,140,530.1 | | Pasivo | 69,735,554.8 | 59,651,120.1 | 50,351,576.1 | 17,237,530.7 | 18,491,516.2 | 6,796,823.6 | 1,810,575.7 | 561,540.4 | 1,747,090.2 | 2,511,231.1 | 228,894,558.9 | | Pasivos Financieros a Costo Amortizado | 68,754,175.6 | 56,650,411.1 | 49,176,128.4 | 16,672,242.2 | 17,611,215.0 | 6,654,298.2 | 1,713,339.5 | 514,487.5 | 1,644,573.1 | 2,267,784.6 | 221,658,655.1 | | Obligaciones con el Público | 57,589,078.4 | 47,157,283.8 | 47,107,292.8 | 12,658,808.6 | 13,666,425.5 | 5,271,289.0 | 0.0 | 310,662.3 | 0.0 | 0.0 | 183,760,840.2 | | Moneda Nacional | 23,014,694.4 | 13,231,250.6 | 12,269,136.8 | 2,274,556.8 | 1,765,175.7 | 588,613.1 | 0.0 | 11,732.8 | 0.0 | 0.0 | 53,155,160.2 | | Depósitos a la Vista | 13,371,352.1 | 7,246,622.8 | 7,945,309.4 | 542,819.7 | 1,176,661.5 | 343,049.4 | 0.0 | 9,835.6 | 0.0 | 0.0 | 30,635,650.6 | | Depósitos de Ahorro | 7,932,228.7 | 5,461,490.0 | 3,654,930.9 | 1,671,032.4 | 257,924.6 | 214,769.2 | 0.0 | 860.7 | 0.0 | 0.0 | 19,193,236.5 | | Depósitos a Plazo | 1,711,113.6 | 523,137.8 | 668,896.5 | 60,704.8 | 330,589.6 | 30,794.5 | 0.0 | 1,036.4 | 0.0 | 0.0 | 3,326,273.2 | | 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 | 34,374,446.3 | 33,803,345.1 | 34,732,583.2 | 10,293,172.5 | 11,804,347.8 | 4,660,334.0 | 0.0 | 297,395.2 | 0.0 | 0.0 | 129,965,624.1 | | Depósitos a la Vista | 9,550,804.3 | 9,579,551.3 | 11,379,139.8 | 732,650.4 | 3,706,910.5 | 1,162,395.3 | 0.0 | 44,188.3 | 0.0 | 0.0 | 36,155,640.0 | | Depósitos de Ahorro | 15,906,874.9 | 17,695,217.3 | 17,769,528.6 | 5,224,409.3 | 2,782,480.8 | 1,723,880.7 | 0.0 | 18,450.8 | 0.0 | 0.0 | 61,120,842.5 | | Depósitos a Plazo | 8,916,767.2 | 6,528,576.4 | 5,583,914.7 | 4,336,112.8 | 5,314,956.5 | 1,774,058.0 | 0.0 | 234,756.1 | 0.0 | 0.0 | 32,689,141.6 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 199,937.6 | 122,688.2 | 105,572.7 | 91,079.2 | 96,902.0 | 22,341.9 | 0.0 | 1,534.3 | 0.0 | 0.0 | 640,055.9 | | Otras Obligaciones Diversas con el Público | 880,447.7 | 422,915.8 | 356,834.4 | 101,523.1 | 61,448.4 | 80,059.7 | 1,267.4 | 17.6 | 0.0 | 0.0 | 1,904,514.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,701,445.6 | 2,216,073.3 | 1,497,090.4 | 1,278,545.4 | 2,440,430.1 | 522,717.5 | 0.0 | 203,807.6 | 0.0 | 0.0 | 10,860,109.9 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 16,866.2 | 0.0 | 0.0 | 0.0 | 0.0 | 34,971.1 | 0.0 | 51,837.3 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 125,078.1 | 28,529.7 | 364,224.1 | 0.0 | 0.0 | 0.0 | 517,831.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,998,689.8 | 6,853,092.3 | 214,910.8 | 2,377,643.2 | 895,619.8 | 685,502.2 | 1,347,848.0 | 0.0 | 1,609,602.0 | 2,267,784.6 | 23,250,692.6 | | Obligaciones con el Banco Central de Nicaragua | 584,514.1 | 1,045.8 | 0.0 | 238,855.6 | 422,213.2 | 66,200.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,312,828.9 | | 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 | 124,874.7 | 244,492.1 | 187,859.6 | 21,925.6 | 246,636.4 | 49,066.9 | 37,574.6 | 176.2 | 20,799.8 | 16,643.2 | 950,049.2 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,130,677.5 | 0.0 | 358,417.3 | 358,822.0 | 0.0 | 0.0 | 0.0 | 0.0 | 116,258.1 | 2,964,174.8 | | Otros Pasivos y Provisiones | 856,504.5 | 625,539.4 | 987,588.1 | 184,945.6 | 274,842.8 | 93,458.5 | 59,661.6 | 46,876.7 | 81,717.3 | 110,545.3 | 3,321,679.8 | | PATRIMONIO | 11,990,308.6 | 10,267,171.9 | 12,961,026.5 | 2,076,755.1 | 2,435,322.8 | 1,226,012.7 | 5,485,097.1 | 478,248.5 | 358,650.8 | 691,371.7 | 47,969,965.7 | | Fondos Propios | 12,033,624.1 | 10,436,911.7 | 12,565,996.0 | 2,054,802.4 | 2,132,878.9 | 1,169,682.9 | 5,401,847.1 | 478,248.5 | 313,134.2 | 661,292.0 | 47,248,417.8 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 1,203,702.5 | 838,390.9 | 4,415,601.5 | 672,084.0 | 345,032.0 | 700,710.0 | 20,210,001.2 | | 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 | 4,308,847.9 | 3,270,140.4 | 6,324,333.8 | 563,618.1 | 294,967.7 | 123,737.8 | 0.0 | -157,260.0 | -69,544.5 | -173,253.8 | 14,485,587.4 | | Resultado del Ejercicio | 963,940.6 | 768,889.7 | 1,270,913.0 | 12,065.6 | 230,982.6 | 107,432.6 | 208,810.5 | -36,575.5 | 33,979.0 | 43,787.9 | 3,604,226.1 | | Otro Resultado Integral Neto | -174,815.8 | -644,243.6 | 41,758.7 | 10,887.3 | 93,271.0 | 2,626.7 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -647,474.5 | | Ajustes de Transición | 131,500.3 | 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 | 1,369,022.5 | | CUENTAS CONTINGENTES | 14,046,385.0 | 17,513,654.1 | 11,279,319.4 | 1,111,137.8 | 8,738,526.4 | 970,034.9 | 0.0 | 0.0 | 0.0 | 0.0 | 53,659,057.5 | | CUENTAS DE ORDEN | 112,253,223.7 | 50,722,882.3 | 324,386,280.6 | 46,031,267.1 | 19,079,268.9 | 20,090,431.8 | 11,819,438.1 | 1,887,956.8 | 2,187,435.9 | 3,813,841.6 | 592,272,026.9 |
| | 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 SEPTIEMBRE DE 2022 C$ 36.0510 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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