| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 87,399,543.7 | 74,462,034.5 | 73,099,086.1 | 19,763,210.5 | 24,375,768.5 | 9,075,610.9 | 7,504,008.1 | 1,666,698.1 | 2,225,426.3 | 3,132,742.1 | 302,704,128.8 | | Efectivo y Equivalentes de Efectivo | 25,487,393.2 | 15,222,880.7 | 18,647,470.3 | 4,176,936.9 | 5,091,535.8 | 2,048,752.9 | 99,318.9 | 470,577.1 | 321,388.8 | 520,947.6 | 72,087,202.3 | | Moneda Nacional | 11,539,592.5 | 4,984,556.0 | 5,787,487.4 | 1,171,094.8 | 980,577.9 | 432,389.0 | 9,816.5 | 83,238.8 | 98,744.1 | 303,875.9 | 25,391,373.0 | | Caja | 2,594,397.2 | 1,740,224.8 | 2,370,152.3 | 219,862.1 | 373,707.4 | 180,325.1 | 714.0 | 12,612.2 | 22,512.7 | 123,272.8 | 7,637,780.6 | | Banco Central de Nicaragua | 3,889,654.2 | 3,076,664.8 | 3,194,626.9 | 762,537.8 | 401,599.3 | 113,845.7 | 1,987.3 | 19,364.4 | 5.9 | 0.0 | 11,460,286.4 | | Instituciones Financieras | 352,987.7 | 162,845.2 | 222,708.2 | 64,212.7 | 52,704.0 | 11,717.7 | 7,115.2 | 14,426.5 | 76,225.5 | 180,603.1 | 1,145,545.6 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,830.2 | 0.0 | 0.0 | 9,194.7 | | Equivalentes de Efectivo | 4,702,553.3 | 0.0 | 0.0 | 124,482.2 | 150,024.0 | 126,500.6 | 0.0 | 35,005.6 | 0.0 | 0.0 | 5,138,565.6 | | Moneda Extranjera | 13,947,800.7 | 10,238,324.6 | 12,859,982.8 | 3,005,842.1 | 4,110,957.9 | 1,616,363.9 | 89,502.4 | 387,338.3 | 222,644.8 | 217,071.7 | 46,695,829.3 | | Caja | 1,875,795.1 | 1,122,775.1 | 2,467,202.9 | 204,496.6 | 515,879.5 | 311,430.7 | 1,438.7 | 10,818.0 | 28,397.5 | 64,228.8 | 6,602,462.6 | | Banco Central de Nicaragua | 5,516,836.1 | 5,769,334.6 | 5,439,872.1 | 1,931,047.6 | 1,925,882.1 | 855,437.9 | 935.5 | 163,383.7 | 41,930.0 | 0.0 | 21,644,659.8 | | Instituciones Financieras | 4,806,434.7 | 2,441,947.6 | 3,312,908.0 | 471,400.9 | 1,143,252.0 | 98,331.8 | 87,128.3 | 48,935.6 | 152,317.2 | 152,843.0 | 12,715,499.0 | | Depósitos Restringidos | 261,586.6 | 904,267.3 | 0.0 | 35,744.8 | 110,947.8 | 23,290.0 | 0.0 | 36,641.6 | 0.0 | 0.0 | 1,372,478.1 | | Equivalentes de Efectivo | 1,487,148.3 | 0.0 | 1,639,999.8 | 363,152.3 | 414,996.6 | 327,873.5 | 0.0 | 127,559.4 | 0.0 | 0.0 | 4,360,729.8 | | 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 | 1,495,850.3 | 11,654,491.0 | 12,990,350.3 | 0.0 | 7,454,750.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 33,602,442.3 | | Cartera a Costo Amortizado | 56,997,483.4 | 42,774,368.7 | 39,862,887.4 | 14,979,290.1 | 10,204,372.4 | 6,590,465.9 | 7,216,190.3 | 1,143,206.8 | 1,747,384.0 | 2,492,296.7 | 184,007,945.7 | | Inversiones a Costo Amortizado, Neto | 6,648,387.8 | 13,205,304.3 | 0.0 | 1,882,304.3 | 0.0 | 219,649.8 | 2,127,801.0 | 55,446.1 | 377.5 | 134,449.2 | 24,273,719.9 | | Cartera de Créditos, Neta | 50,349,095.6 | 29,569,064.4 | 39,862,887.4 | 13,096,985.9 | 10,204,372.4 | 6,370,816.1 | 5,088,389.3 | 1,087,760.8 | 1,747,006.5 | 2,357,847.5 | 159,734,225.8 | | Vigentes | 48,301,120.1 | 28,250,166.7 | 39,640,143.8 | 12,380,788.4 | 9,725,633.8 | 6,289,761.6 | 5,156,001.5 | 1,098,337.5 | 1,744,302.1 | 2,307,895.6 | 154,894,151.1 | | Prorrogados | 56,788.5 | 1,501.8 | 1,288.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 59,578.8 | | Reestructurados | 2,570,432.4 | 1,678,887.1 | 3,146,492.6 | 752,368.3 | 564,711.5 | 268,356.0 | 8,714.6 | 0.0 | 34,286.6 | 5,591.8 | 9,029,840.8 | | Vencidos | 297,469.5 | 180,840.4 | 141,571.9 | 101,877.8 | 88,979.3 | 38,962.1 | 917.6 | 0.0 | 29,436.5 | 41,139.4 | 921,194.5 | | Cobro Judicial | 215,781.9 | 324,171.9 | 490,136.4 | 85,079.5 | 16,071.8 | 8,966.6 | 26,327.7 | 0.0 | 0.0 | 2,009.2 | 1,168,545.0 | | Diferimiento de comisiones y otros | -95,719.5 | -141,708.0 | -184,970.8 | -34,187.4 | -12,423.9 | -28,561.1 | -3,547.6 | -3,947.8 | -4,332.2 | -6,085.1 | -515,483.3 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 635,774.0 | 372,599.5 | 374,842.0 | 172,401.5 | 125,405.1 | 83,909.7 | 75,761.3 | 4,096.6 | 35,453.0 | 87,004.3 | 1,967,246.9 | | (-) Provisión de Cartera de Créditos | -1,632,551.2 | -1,097,395.0 | -3,746,616.9 | -361,342.3 | -304,005.2 | -290,579.0 | -175,785.7 | -10,725.6 | -92,139.5 | -79,707.6 | -7,790,848.1 | | Cuentas por Cobrar, Neto | 314,445.3 | 811,976.3 | 260,140.4 | 55,685.9 | 63,110.6 | 88,101.1 | 5,849.9 | 1,666.2 | 15,155.2 | 15,137.4 | 1,631,268.1 | | 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 | 133,114.1 | 146,778.9 | 5,824.3 | 38,972.0 | 36,260.7 | 1,086.2 | 0.0 | 0.0 | 0.0 | 3,316.1 | 365,352.4 | | Participaciones | 328,617.4 | 2,134,158.7 | 101,904.3 | 40,442.5 | 730,777.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,335,900.7 | | Activo Material | 2,018,498.6 | 844,740.6 | 1,135,507.7 | 265,867.1 | 413,623.9 | 265,239.8 | 158,851.1 | 15,183.7 | 90,124.0 | 62,342.0 | 5,269,978.6 | | Activos Intangibles | 288,811.5 | 119,112.4 | 0.0 | 48,460.5 | 171,680.6 | 44,575.7 | 6,213.7 | 24,526.4 | 22,966.0 | 10,862.3 | 737,209.0 | | Activos Fiscales | 7,629.4 | 483,635.3 | 0.0 | 66,230.0 | 78,378.5 | 4,512.1 | 7,385.1 | 0.0 | 11,840.7 | 14,321.2 | 673,932.4 | | Otros Activos | 327,700.6 | 269,891.9 | 95,001.5 | 91,325.6 | 131,277.3 | 26,127.1 | 9,949.1 | 11,537.9 | 16,567.6 | 13,518.7 | 992,897.3 | | Pasivo | 74,222,696.0 | 62,647,026.1 | 58,840,644.0 | 17,618,967.2 | 21,719,104.8 | 7,727,391.8 | 1,823,254.7 | 1,089,818.5 | 1,821,299.4 | 2,402,102.2 | 249,912,304.7 | | Pasivos Financieros a Costo Amortizado | 73,098,285.1 | 59,132,683.7 | 57,553,737.9 | 17,041,738.2 | 20,748,260.5 | 7,561,944.6 | 1,673,712.5 | 1,030,254.6 | 1,716,056.7 | 2,156,914.7 | 241,713,588.5 | | Obligaciones con el Público | 62,654,247.0 | 55,058,280.2 | 55,615,710.0 | 13,822,077.9 | 15,659,684.0 | 6,043,982.7 | 0.0 | 399,897.6 | 0.0 | 0.0 | 209,253,879.3 | | Moneda Nacional | 25,228,173.1 | 17,628,374.5 | 15,332,191.3 | 2,548,793.0 | 2,548,220.8 | 703,522.9 | 0.0 | 20,722.8 | 0.0 | 0.0 | 64,009,998.4 | | Depósitos a la Vista | 14,835,280.7 | 10,315,217.5 | 10,359,188.4 | 741,562.6 | 1,661,596.5 | 411,033.2 | 0.0 | 12,980.2 | 0.0 | 0.0 | 38,336,859.1 | | Depósitos de Ahorro | 9,178,166.8 | 6,820,646.0 | 4,570,799.8 | 1,717,281.2 | 494,943.3 | 262,427.3 | 0.0 | 1,984.2 | 0.0 | 0.0 | 23,046,248.6 | | Depósitos a Plazo | 1,214,725.6 | 492,511.0 | 402,203.1 | 89,949.2 | 391,681.0 | 30,062.4 | 0.0 | 5,758.4 | 0.0 | 0.0 | 2,626,890.8 | | 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 | | Moneda Extranjera | 37,259,288.8 | 37,298,949.3 | 40,164,097.1 | 11,178,897.1 | 13,001,024.9 | 5,315,388.3 | 0.0 | 377,764.9 | 0.0 | 0.0 | 144,595,410.4 | | Depósitos a la Vista | 10,563,189.3 | 10,024,520.6 | 14,446,080.7 | 890,916.3 | 3,946,170.4 | 1,308,314.3 | 0.0 | 111,090.7 | 0.0 | 0.0 | 41,290,282.3 | | Depósitos de Ahorro | 18,567,186.1 | 20,660,127.5 | 19,654,904.2 | 5,316,454.6 | 3,065,591.7 | 1,987,960.5 | 0.0 | 25,924.9 | 0.0 | 0.0 | 69,278,149.5 | | Depósitos a Plazo | 8,128,913.4 | 6,614,301.2 | 6,063,112.2 | 4,971,526.3 | 5,989,262.8 | 2,019,113.5 | 0.0 | 240,749.2 | 0.0 | 0.0 | 34,026,978.6 | | 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 | 166,785.0 | 130,956.4 | 119,421.7 | 94,387.7 | 110,438.3 | 25,071.5 | 0.0 | 1,409.9 | 0.0 | 0.0 | 648,470.5 | | Otras Obligaciones Diversas con el Público | 873,803.4 | 474,319.8 | 469,089.3 | 98,377.7 | 64,536.4 | 77,800.5 | 1,282.6 | 8.9 | 0.0 | 0.0 | 2,059,218.7 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,563,239.2 | 1,252,578.2 | 1,188,352.5 | 1,143,893.2 | 2,553,405.5 | 892,035.1 | 0.0 | 630,348.0 | 0.0 | 0.0 | 9,223,851.6 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 15,545.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35,349.4 | 0.0 | 50,894.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 647,844.6 | 0.0 | 365,159.1 | 0.0 | 0.0 | 0.0 | 1,013,003.7 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,512,125.1 | 2,347,019.9 | 118,204.6 | 1,695,960.2 | 1,473,746.1 | 450,731.7 | 1,307,270.8 | 0.0 | 1,680,707.3 | 2,156,914.7 | 18,742,680.4 | | Obligaciones con el Banco Central de Nicaragua | 494,870.4 | 485.6 | 162,381.5 | 265,884.2 | 349,043.8 | 97,394.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,370,060.2 | | 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 | 133,377.8 | 766,020.2 | 210,538.5 | 21,743.3 | 71,380.1 | 52,620.3 | 31,065.8 | 206.3 | 20,943.4 | 16,922.9 | 1,324,818.6 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,042,242.1 | 0.0 | 373,381.0 | 374,768.3 | 0.0 | 0.0 | 0.0 | 0.0 | 118,936.1 | 2,909,327.4 | | Otros Pasivos y Provisiones | 991,033.1 | 706,080.1 | 1,076,367.6 | 182,104.7 | 524,695.9 | 112,826.8 | 118,476.3 | 59,357.7 | 84,299.3 | 109,328.5 | 3,964,570.1 | | PATRIMONIO | 13,176,847.7 | 11,815,008.4 | 14,258,442.2 | 2,144,243.3 | 2,656,663.7 | 1,348,219.2 | 5,680,753.4 | 576,879.5 | 404,126.9 | 730,639.9 | 52,791,824.2 | | Fondos Propios | 13,206,904.8 | 11,778,482.7 | 13,887,577.1 | 2,133,412.5 | 2,473,709.7 | 1,292,540.4 | 5,597,754.4 | 576,879.5 | 357,336.1 | 700,814.9 | 52,005,412.1 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 1,258,364.2 | 838,390.9 | 4,660,519.5 | 744,542.0 | 345,032.0 | 700,710.0 | 20,582,038.9 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 54,618.4 | 0.0 | 70,702.4 | 970,321.8 | | 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 | 2,190,892.8 | 2,307,377.0 | 2,352,804.2 | 504,537.6 | 449,455.7 | 121,553.5 | 560,623.0 | 0.0 | 11,302.0 | 28,894.9 | 8,527,440.7 | | Resultados Acumulados | 5,465,493.5 | 4,280,892.4 | 7,527,774.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,491.1 | -26,378.5 | -119,140.2 | 18,271,879.3 | | Resultado del Ejercicio | 777,018.5 | 921,340.8 | 1,151,998.4 | 101,160.3 | 208,954.6 | 87,408.4 | 118,193.9 | -17,789.8 | 27,380.7 | 19,647.7 | 3,395,313.4 | | Otro Resultado Integral Neto | -158,323.0 | -437,978.2 | 17,593.3 | -234.6 | -26,218.9 | 1,975.7 | 14,123.6 | 0.0 | 6,822.0 | 2,769.4 | -579,470.6 | | Ajustes de Transición | 128,265.9 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,968.7 | 27,055.6 | 1,365,882.6 | | CUENTAS CONTINGENTES | 17,116,165.5 | 17,334,367.8 | 12,547,687.0 | 1,256,468.9 | 11,357,575.6 | 1,285,880.2 | 0.0 | 47,373.4 | 0.0 | 0.0 | 60,945,518.5 | | CUENTAS DE ORDEN | 125,049,593.1 | 49,366,022.9 | 376,331,631.1 | 48,501,200.9 | 22,738,873.9 | 21,309,289.2 | 12,817,485.8 | 2,467,956.1 | 2,523,318.7 | 4,362,298.3 | 665,467,670.0 |
| | 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 30 DE JUNIO DE 2023 C$ 36.4411 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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