| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 108,789,144.0 | 95,947,392.2 | 96,553,118.6 | 23,749,875.6 | 31,209,363.0 | 14,263,997.1 | 7,356,501.1 | 2,833,925.0 | 4,104,370.4 | 384,807,687.2 | | Efectivo y Equivalentes de Efectivo | 29,336,113.7 | 25,909,017.5 | 21,260,720.9 | 5,759,844.3 | 8,091,295.8 | 3,290,694.9 | 791,818.6 | 585,308.3 | 446,321.9 | 95,471,136.1 | | Moneda Nacional | 16,685,951.5 | 7,505,849.5 | 7,338,529.2 | 1,976,566.0 | 3,655,622.6 | 1,434,540.8 | 148,341.3 | 205,317.5 | 144,120.9 | 39,094,839.3 | | Caja | 3,320,726.5 | 2,250,328.6 | 3,221,364.2 | 290,933.5 | 668,567.4 | 272,995.5 | 13,967.6 | 35,627.7 | 105,770.8 | 10,180,281.8 | | Banco Central de Nicaragua | 5,902,612.2 | 4,597,394.1 | 3,417,239.8 | 588,731.0 | 564,402.6 | 289,202.0 | 335.9 | 82,012.3 | 40.4 | 15,441,970.3 | | Instituciones Financieras | 496,670.2 | 315,391.1 | 399,806.4 | 117,557.0 | 79,113.1 | 430,202.4 | 23,946.2 | 12,002.8 | 38,309.7 | 1,912,998.9 | | Depósitos Restringidos | 0.0 | 42,617.0 | 0.0 | 0.0 | 2,543.2 | 21,974.6 | 0.0 | 5,647.0 | 0.0 | 72,781.8 | | Equivalentes de Efectivo | 6,965,942.6 | 300,118.8 | 300,118.8 | 979,344.4 | 2,340,996.2 | 420,166.3 | 110,091.7 | 70,027.7 | 0.0 | 11,486,806.4 | | Moneda Extranjera | 12,650,162.2 | 18,403,168.0 | 13,922,191.8 | 3,783,278.3 | 4,435,673.2 | 1,856,154.1 | 643,477.3 | 379,990.9 | 302,201.0 | 56,376,296.8 | | Caja | 1,830,196.0 | 1,435,295.7 | 2,578,968.1 | 165,624.3 | 464,869.1 | 327,774.5 | 2,829.4 | 27,343.5 | 99,163.4 | 6,932,064.0 | | Banco Central de Nicaragua | 6,938,298.5 | 7,748,610.1 | 6,984,885.3 | 2,019,186.1 | 2,153,707.1 | 1,197,456.7 | 73,858.5 | 74,286.2 | 2,955.6 | 27,193,244.0 | | Instituciones Financieras | 3,514,638.6 | 4,627,841.9 | 3,259,085.0 | 642,893.5 | 728,938.9 | 157,691.9 | 566,789.4 | 58,460.4 | 200,082.1 | 13,756,421.6 | | Depósitos Restringidos | 18,468.7 | 648,015.8 | 272.6 | 40,388.5 | 135,559.6 | 26,315.9 | 0.0 | 110,002.6 | 0.0 | 979,023.8 | | Equivalentes de Efectivo | 348,560.3 | 3,943,404.5 | 1,098,980.8 | 915,186.0 | 952,598.6 | 146,915.2 | 0.0 | 109,898.1 | 0.0 | 7,515,543.4 | | 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 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,210,204.2 | 1,396,054.5 | 9,179,350.5 | 0.0 | 4,875,677.1 | 6,750.0 | 250.0 | 538,907.5 | 0.0 | 17,207,193.9 | | Cartera a Costo Amortizado | 73,947,642.0 | 63,444,970.6 | 63,644,886.4 | 17,228,314.1 | 16,212,202.5 | 10,337,837.0 | 6,316,415.9 | 1,654,432.4 | 3,442,478.1 | 256,229,179.0 | | Inversiones a Costo Amortizado, Neto | 6,651,708.4 | 19,582,051.2 | 0.0 | 1,742,047.1 | 0.0 | 388,975.2 | 3,214,162.7 | 0.0 | 110,905.6 | 31,689,850.2 | | Cartera de Créditos, Neta | 67,295,933.7 | 43,862,919.4 | 63,644,886.4 | 15,486,267.0 | 16,212,202.5 | 9,948,861.7 | 3,102,253.1 | 1,654,432.4 | 3,331,572.5 | 224,539,328.8 | | Vigentes | 65,333,952.4 | 43,508,949.0 | 64,904,373.1 | 15,096,011.1 | 16,032,743.6 | 9,952,992.8 | 2,989,243.8 | 1,569,960.8 | 3,250,067.6 | 222,638,294.3 | | Prorrogados | 51,836.7 | 85,513.1 | 149,964.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 287,314.5 | | Reestructurados | 2,888,986.6 | 754,081.5 | 2,384,064.6 | 537,312.2 | 330,719.8 | 138,880.3 | 3,208.1 | 56,771.9 | 7,582.6 | 7,101,607.7 | | Vencidos | 453,452.1 | 408,463.8 | 328,002.7 | 126,732.9 | 170,483.0 | 48,811.6 | 5,033.6 | 104,280.3 | 65,300.9 | 1,710,561.0 | | Cobro Judicial | 293,681.0 | 135,752.6 | 245,910.1 | 42,616.8 | 48,974.3 | 12,736.2 | 212,530.3 | 0.0 | 0.0 | 992,201.2 | | Diferimiento de comisiones y otros | -114,944.5 | -174,792.0 | -313,335.9 | -59,519.4 | -43,180.6 | -25,824.9 | -1,394.9 | -4,878.3 | -23,181.4 | -761,051.9 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 881,138.8 | 530,373.9 | 645,889.1 | 188,329.7 | 205,656.7 | 149,650.4 | 37,926.9 | 15,529.4 | 153,776.9 | 2,808,271.8 | | (-) Provisión de Cartera de Créditos | -2,492,169.6 | -1,385,422.5 | -4,699,982.0 | -445,216.3 | -533,194.3 | -328,384.6 | -144,294.7 | -87,231.7 | -121,974.1 | -10,237,869.8 | | Cuentas por Cobrar, Neto | 610,596.2 | 1,077,188.5 | 993,220.0 | 96,962.6 | 290,305.1 | 125,614.2 | 45,588.1 | 5,343.2 | 18,880.6 | 3,263,698.6 | | 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 | | Activos Recibidos en Recuperación de Créditos | 166,692.3 | 231,336.9 | 0.0 | 39,390.2 | 1,403.1 | 382.8 | 2,482.6 | 0.0 | 3,002.8 | 444,690.7 | | Participaciones | 400,101.0 | 2,365,500.2 | 132,194.8 | 50,586.4 | 805,079.1 | 0.0 | 0.0 | 0.0 | 0.0 | 3,753,461.5 | | Activo Material | 2,163,887.4 | 1,052,058.6 | 1,236,443.7 | 257,825.7 | 518,811.1 | 327,103.7 | 144,413.1 | 13,828.1 | 80,355.6 | 5,794,727.0 | | Activos Intangibles | 287,770.2 | 161,396.9 | 25,773.7 | 111,390.2 | 156,518.8 | 34,287.6 | 23,689.7 | 30,917.5 | 7,902.2 | 839,646.8 | | Activos Fiscales | 2,372.6 | 12,401.0 | 0.0 | 66,053.1 | 33,201.7 | 4,710.3 | 19,151.7 | 23.1 | 47,680.9 | 185,594.3 | | Otros Activos | 663,764.4 | 297,467.5 | 80,528.5 | 139,509.1 | 224,868.7 | 136,616.6 | 12,691.4 | 5,164.8 | 57,748.3 | 1,618,359.4 | | Pasivo | 92,310,015.5 | 80,300,395.6 | 78,807,996.1 | 21,328,232.0 | 27,384,521.4 | 12,404,505.8 | 1,306,700.5 | 1,805,673.4 | 3,123,333.7 | 318,771,373.8 | | Pasivos Financieros a Costo Amortizado | 90,269,138.2 | 78,786,141.1 | 76,461,710.9 | 20,559,020.4 | 26,452,762.8 | 11,985,153.7 | 1,197,357.8 | 1,773,853.9 | 2,933,400.8 | 310,418,539.7 | | Obligaciones con el Público | 79,249,429.1 | 74,687,885.7 | 70,056,607.4 | 17,756,477.6 | 19,768,690.5 | 9,309,481.4 | 0.0 | 767,491.1 | 0.0 | 271,596,062.8 | | Moneda Nacional | 35,248,867.6 | 25,961,182.0 | 21,719,572.5 | 3,792,082.4 | 3,366,485.7 | 1,439,499.5 | 0.0 | 57,132.6 | 0.0 | 91,584,822.3 | | Depósitos a la Vista | 21,654,850.3 | 14,363,216.8 | 13,383,118.1 | 1,779,230.7 | 2,204,798.7 | 852,698.8 | 0.0 | 41,987.2 | 0.0 | 54,279,900.5 | | Depósitos de Ahorro | 12,530,619.8 | 10,480,728.6 | 7,703,266.5 | 1,934,886.3 | 721,353.8 | 486,632.9 | 0.0 | 9,654.0 | 0.0 | 33,867,142.0 | | Depósitos a Plazo | 1,063,397.6 | 1,117,236.5 | 633,187.9 | 77,965.4 | 440,333.3 | 100,167.8 | 0.0 | 5,491.5 | 0.0 | 3,437,779.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 43,725,595.0 | 48,482,332.8 | 48,159,151.6 | 13,766,839.2 | 16,232,311.1 | 7,816,337.0 | 0.0 | 708,372.2 | 0.0 | 178,890,938.9 | | Depósitos a la Vista | 10,577,805.7 | 11,253,803.6 | 14,877,618.3 | 1,702,931.6 | 3,787,114.5 | 1,685,826.1 | 0.0 | 146,362.6 | 0.0 | 44,031,462.5 | | Depósitos de Ahorro | 22,256,795.4 | 28,660,834.8 | 24,000,911.8 | 5,092,716.6 | 3,955,708.0 | 2,780,931.8 | 0.0 | 109,341.4 | 0.0 | 86,857,239.8 | | Depósitos a Plazo | 10,890,993.9 | 8,567,694.4 | 9,280,621.4 | 6,971,191.0 | 8,489,488.6 | 3,349,579.1 | 0.0 | 452,668.1 | 0.0 | 48,002,236.5 | | Otros Depósitos del Público | 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 | 274,966.5 | 244,370.9 | 177,883.3 | 197,556.0 | 169,893.7 | 53,644.9 | 0.0 | 1,986.3 | 0.0 | 1,120,301.6 | | Otras Obligaciones Diversas con el Público | 1,596,325.3 | 1,751,209.5 | 315,838.9 | 175,570.7 | 79,074.1 | 184,719.3 | 4,097.5 | 2.8 | 7,524.9 | 4,114,363.0 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,127,312.7 | 1,326,851.4 | 1,521,024.2 | 1,179,986.2 | 3,370,732.3 | 1,807,285.6 | 0.0 | 972,018.1 | 0.0 | 12,305,210.4 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,216.4 | 0.0 | 0.0 | 0.0 | 0.0 | 18,361.7 | 40,578.2 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,105,957.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,105,957.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,843,270.9 | 1,019,958.1 | 4,164,710.8 | 1,268,123.5 | 1,878,522.5 | 426,406.9 | 1,193,260.4 | 34,341.9 | 2,907,514.1 | 19,736,109.2 | | Obligaciones con el Banco Central de Nicaragua | 452,800.2 | 236.5 | 403,529.7 | 156,646.1 | 249,785.8 | 257,260.4 | 0.0 | 0.0 | 0.0 | 1,520,258.6 | | Arrendamiento Financiero | 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 | | Pasivos Fiscales | 205,629.1 | 500,488.9 | 227,071.4 | 25,947.5 | 95,748.5 | 65,870.2 | 25,290.4 | 2,998.8 | 72,840.0 | 1,221,884.7 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 0.0 | 0.0 | 372,392.2 | 373,190.6 | 0.0 | 0.0 | 0.0 | 0.0 | 745,582.7 | | Otros Pasivos y Provisiones | 1,835,248.2 | 1,013,765.5 | 2,119,213.7 | 370,871.9 | 462,819.6 | 353,482.0 | 84,052.3 | 28,820.6 | 117,092.9 | 6,385,366.7 | | PATRIMONIO | 16,479,128.5 | 15,646,996.7 | 17,745,122.6 | 2,421,643.7 | 3,824,841.6 | 1,859,491.3 | 6,049,800.6 | 1,028,251.6 | 981,036.7 | 66,036,313.4 | | Fondos Propios | 16,393,793.1 | 15,189,554.5 | 17,392,086.0 | 2,411,439.2 | 3,604,206.1 | 1,803,771.0 | 5,965,394.0 | 1,026,743.0 | 950,873.0 | 64,737,859.9 | | Capital Social Pagado | 3,928,500.0 | 5,008,872.0 | 4,683,332.0 | 982,108.4 | 2,585,931.5 | 838,390.9 | 5,009,484.1 | 1,474,501.0 | 700,710.0 | 25,211,829.9 | | Aportes a Capitalizar | 4,321,823.0 | 0.6 | 1,464,972.0 | 695,861.7 | 0.0 | 0.3 | 0.0 | 0.0 | 70,702.4 | 6,553,360.0 | | Obligaciones Convertibles en Capital | 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 | 258,418.0 | | Reservas Patrimoniales | 2,728,206.3 | 2,838,902.6 | 3,121,578.5 | 542,756.5 | 589,574.5 | 181,947.2 | 611,600.3 | 0.0 | 58,619.3 | 10,673,185.1 | | Resultados Acumulados | 3,502,046.1 | 5,016,455.0 | 5,480,675.5 | 66,318.3 | 38,317.3 | 576,987.1 | 0.0 | -324,997.9 | 39,438.2 | 14,395,239.7 | | Resultado del Ejercicio | 1,913,217.7 | 2,325,324.3 | 2,641,528.1 | 124,394.3 | 390,382.9 | 206,445.5 | 85,891.5 | -122,760.1 | 81,403.0 | 7,645,827.2 | | Otro Resultado Integral Neto | -37,915.2 | -17,061.7 | -235.2 | -860.9 | 11,462.6 | 2,017.2 | 15,531.2 | 1,508.6 | 3,108.2 | -22,445.1 | | Ajustes de Transición | 123,250.6 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 27,055.6 | 1,320,898.5 | | CUENTAS CONTINGENTES | 29,398,029.5 | 16,679,685.8 | 23,297,034.1 | 1,526,153.4 | 13,181,323.1 | 3,451,005.1 | 0.0 | 49,318.1 | 0.0 | 87,582,549.1 | | CUENTAS DE ORDEN | 194,017,111.8 | 109,004,542.4 | 560,834,601.2 | 51,315,851.3 | 37,552,950.7 | 25,628,872.9 | 15,320,962.6 | 2,571,840.3 | 5,602,735.6 | 1,001,849,468.8 |
| | 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 NOVIEMBRE DE 2025 C$ 36.6243 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2024 C$ 36.6243 X US$ 1.00 | | 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. | | 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 Monetario y Financiero, mediante Resolución No. CDMF-V-4-25 de fecha 19 de febrero de 2025, autorizó la revocación de la licencia de FINANCIERA FAMA, SOCIEDAD ANÓNIMA, para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Dicha revocación fue inscrita en el Registro Público de la Propiedad Inmueble y Mercantil de Managua en fecha 21 de marzo de 2025 y publicada en La Gaceta, Diario Oficial No. 62 del 1 de abril de 2025. Por lo anterior, a partir del mes de marzo de 2025, la SIBOIF no publica información relativa a esta entidad. |
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