| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 62,243,441.0 | 54,582,856.3 | 47,343,180.7 | 21,125,586.8 | 13,072,109.9 | 5,809,415.2 | 6,055,467.5 | 8,979,004.2 | 2,017,718.1 | 1,086,534.4 | 1,525,156.7 | 3,014,933.5 | 226,855,404.3 | | Efectivo y Equivalentes de Efectivo | 15,267,494.2 | 9,537,977.7 | 15,085,654.4 | 4,044,463.5 | 2,856,535.7 | 1,772,324.5 | 357,396.0 | 6,501,039.2 | 516,767.0 | 208,306.4 | 279,545.9 | 593,454.7 | 57,020,959.3 | | Moneda Nacional | 5,318,867.6 | 2,431,375.0 | 3,757,438.9 | 860,157.2 | 462,608.3 | 447,845.6 | 56,965.1 | 2,827,628.2 | 55,490.4 | 34,660.5 | 219,937.2 | 255,603.1 | 16,728,577.4 | | Caja | 1,698,095.0 | 1,045,614.2 | 1,667,138.2 | 230,290.8 | 142,904.7 | 179,221.1 | 191.1 | 27,058.8 | 13,307.4 | 11,642.2 | 26,152.1 | 67,611.3 | 5,109,226.8 | | Banco Central de Nicaragua | 3,424,445.4 | 1,188,007.1 | 1,849,637.4 | 537,500.7 | 272,443.5 | 85,766.7 | 285.7 | 2,798,479.4 | 11,830.5 | 8.4 | 99.4 | 0.0 | 10,168,504.2 | | Instituciones Financieras | 196,327.3 | 197,753.8 | 240,663.2 | 92,365.8 | 17,197.7 | 17,854.5 | 56,488.3 | 2,090.0 | 30,352.6 | 23,009.8 | 147,210.6 | 187,991.9 | 1,209,305.5 | | Depósitos Restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 30,062.4 | 165,003.4 | 0.0 | 0.0 | 0.0 | 0.0 | 46,475.1 | 0.0 | 241,540.9 | | Moneda Extranjera | 9,948,626.5 | 7,106,602.6 | 11,328,215.6 | 3,184,306.3 | 2,393,927.4 | 1,324,478.9 | 300,430.9 | 3,673,411.0 | 461,276.6 | 173,645.9 | 59,608.7 | 337,851.6 | 40,292,381.9 | | Caja | 1,023,185.0 | 663,946.9 | 1,735,688.7 | 340,773.7 | 287,532.8 | 256,163.2 | 711.1 | 31,657.0 | 12,061.9 | 3,318.6 | 8,185.6 | 38,464.8 | 4,401,689.5 | | Banco Central de Nicaragua | 4,625,260.6 | 3,516,425.7 | 5,142,677.7 | 1,997,402.2 | 821,609.1 | 412,761.4 | 3,143.0 | 3,543,891.0 | 8,517.9 | 591.4 | 837.8 | 0.0 | 20,073,117.8 | | Instituciones Financieras | 4,278,023.5 | 2,673,637.0 | 4,449,849.2 | 815,580.0 | 1,192,249.3 | 125,539.9 | 293,291.4 | 97,863.0 | 440,696.8 | 169,735.9 | 50,585.3 | 299,386.8 | 14,886,438.1 | | Depósitos Restringidos | 22,157.4 | 252,593.0 | 0.0 | 30,550.4 | 91,989.2 | 3,390.0 | 3,285.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 403,965.4 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 546.9 | 526,624.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 527,171.2 | | Inversiones a Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 318,096.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 318,096.5 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,642,521.9 | 7,627,812.4 | 7,176.3 | 272,242.3 | 6,750.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,563,502.9 | | Cartera a Costo Amortizado | 42,651,174.3 | 33,719,024.5 | 30,787,080.0 | 16,080,499.5 | 9,280,369.8 | 3,301,388.1 | 5,477,190.9 | 2,364,998.1 | 1,300,864.9 | 798,353.3 | 1,172,326.2 | 2,265,587.0 | 149,198,856.4 | | Inversiones a Costo Amortizado, Neto | 4,752,452.7 | 4,906,164.1 | 0.0 | 638,440.5 | 1,908,617.7 | 0.0 | 2,714,910.1 | 1,474.0 | 329.2 | 0.0 | 0.0 | 98,825.9 | 15,021,214.3 | | Cartera de Créditos, Neta | 37,898,721.6 | 28,812,860.4 | 30,787,080.0 | 15,442,059.0 | 7,371,752.1 | 3,301,388.1 | 2,762,280.8 | 2,363,524.0 | 1,300,535.7 | 798,353.3 | 1,172,326.2 | 2,166,761.1 | 134,177,642.1 | | Vigentes | 35,906,212.0 | 26,937,866.5 | 28,542,046.0 | 14,769,183.8 | 6,688,859.5 | 2,998,717.6 | 2,789,543.3 | 2,288,339.2 | 1,182,378.3 | 673,233.4 | 963,962.5 | 2,167,184.0 | 125,907,526.2 | | Prorrogados | 412,578.0 | 185,426.9 | 1,132,581.5 | 26,005.3 | 137,381.2 | 24,088.1 | 1,561.7 | 0.0 | 5,192.8 | 14,287.3 | 0.0 | 0.0 | 1,939,102.8 | | Reestructurados | 1,664,054.8 | 1,914,360.9 | 1,419,800.1 | 606,904.3 | 598,545.7 | 372,735.6 | 58,770.1 | 65,019.8 | 198,726.3 | 186,897.0 | 220,770.9 | 81,471.9 | 7,388,057.4 | | Vencidos | 548,054.0 | 634,047.6 | 867,319.9 | 410,353.5 | 364,890.6 | 52,049.2 | 7,098.6 | 260.9 | 78,438.9 | 84,095.9 | 149,141.8 | 229,778.1 | 3,425,528.9 | | Cobro Judicial | 389,333.5 | 355,211.8 | 459,266.1 | 203,964.8 | 10,069.4 | 30,823.4 | 38,600.5 | 18,919.0 | 0.0 | 12,059.1 | 990.2 | 0.0 | 1,519,237.7 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -83,119.8 | -132,537.4 | -153,030.5 | -15,868.8 | -59,439.6 | -18,539.8 | -2,461.1 | -8,230.4 | -1,866.4 | -5,064.1 | -8,328.7 | 0.0 | -488,486.7 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 656,426.5 | 574,701.5 | 326,288.1 | 181,323.1 | 140,902.9 | 69,791.0 | 44,298.4 | 47,605.7 | 29,323.7 | 29,090.6 | 58,339.7 | 95,694.5 | 2,253,785.6 | | (-) Provisión de Cartera de Créditos | -1,594,817.3 | -1,656,217.4 | -1,807,191.2 | -739,807.0 | -509,457.6 | -228,277.1 | -175,130.6 | -48,390.2 | -191,657.9 | -196,245.9 | -212,550.3 | -407,367.4 | -7,767,109.8 | | Cuentas por Cobrar, Neto | 186,935.2 | 592,448.8 | 121,239.4 | 50,097.9 | 77,631.4 | 24,118.8 | 3,099.0 | 17,567.0 | 24,024.2 | 1,347.9 | 1,385.6 | 14,836.8 | 1,114,731.9 | | Activos no Corrientes Mantenidos para la Venta | 8,291.0 | 0.0 | 0.0 | 16,956.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,247.7 | | Activos Recibidos en Recuperación de Créditos | 120,573.6 | 219,495.3 | 20,815.4 | 40,192.0 | 7,562.1 | 2,298.7 | 0.0 | 4,124.3 | 7,754.8 | 16,008.7 | 1,963.0 | 784.6 | 441,572.4 | | Participaciones | 247,616.6 | 1,634,736.5 | 64,171.7 | 28,123.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,974,648.2 | | Activo Material | 1,796,609.7 | 860,901.3 | 1,171,898.1 | 383,190.6 | 433,043.6 | 305,521.3 | 160,205.0 | 11,856.4 | 115,272.4 | 53,078.8 | 52,490.2 | 81,041.9 | 5,425,109.2 | | Activos Intangibles | 120,658.2 | 63,678.0 | 20,987.1 | 53,176.4 | 153,694.5 | 55,699.3 | 47,010.5 | 49,200.7 | 31,685.7 | 0.0 | 13,531.5 | 27,465.0 | 636,786.8 | | Activos Fiscales | 8,925.9 | 84,951.3 | 1,295.5 | 63,662.1 | 86,628.7 | 6,853.2 | 0.0 | 17,812.8 | 12,356.2 | 4,671.2 | 0.0 | 14,627.5 | 301,784.5 | | Otros Activos | 192,640.5 | 241,830.6 | 62,862.8 | 92,982.3 | 169,893.9 | 16,365.0 | 10,316.1 | 12,405.8 | 8,992.8 | 4,768.3 | 3,914.4 | 17,136.0 | 834,108.5 | | Pasivo | 53,456,221.1 | 45,630,020.7 | 37,420,640.9 | 18,648,058.1 | 11,198,035.7 | 4,809,549.4 | 1,457,887.7 | 8,220,686.3 | 1,542,312.5 | 926,267.9 | 1,348,991.9 | 2,613,922.0 | 187,272,594.2 | | Pasivos Financieros a Costo Amortizado | 51,723,032.4 | 42,350,322.9 | 36,436,586.6 | 18,044,454.9 | 10,631,368.9 | 4,721,088.6 | 1,377,060.0 | 8,124,589.0 | 1,471,625.0 | 775,154.0 | 1,276,161.5 | 2,268,982.9 | 179,200,426.8 | | Obligaciones con el Público | 37,702,687.1 | 29,534,044.0 | 27,410,796.9 | 11,514,740.6 | 5,404,018.1 | 3,540,996.9 | 0.0 | 8,109,902.6 | 0.0 | 0.0 | 0.0 | 0.0 | 123,217,186.2 | | Moneda Nacional | 13,472,950.4 | 7,878,565.9 | 6,653,216.0 | 1,732,695.9 | 858,776.8 | 600,914.6 | 0.0 | 2,031,159.6 | 0.0 | 0.0 | 0.0 | 0.0 | 33,228,279.1 | | Depósitos a la Vista | 6,965,800.6 | 4,571,098.1 | 4,306,683.5 | 387,958.2 | 713,513.6 | 403,847.9 | 0.0 | 1,283,686.3 | 0.0 | 0.0 | 0.0 | 0.0 | 18,632,588.1 | | Depósitos de Ahorro | 5,543,585.3 | 2,840,226.3 | 2,058,868.7 | 1,187,924.3 | 133,618.1 | 165,751.7 | 0.0 | 744,217.1 | 0.0 | 0.0 | 0.0 | 0.0 | 12,674,191.5 | | Depósitos a Plazo | 963,564.5 | 467,241.4 | 287,663.8 | 156,813.4 | 11,645.1 | 31,315.1 | 0.0 | 3,256.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,921,499.4 | | 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 | 0.0 | 0.0 | | Moneda Extranjera | 24,052,495.5 | 21,501,686.8 | 20,628,892.6 | 9,670,379.9 | 4,508,257.3 | 2,906,607.9 | 0.0 | 6,077,390.1 | 0.0 | 0.0 | 0.0 | 0.0 | 89,345,710.1 | | Depósitos a la Vista | 6,933,196.4 | 5,966,755.1 | 6,109,660.5 | 839,111.8 | 1,415,141.2 | 496,045.8 | 0.0 | 4,421,283.2 | 0.0 | 0.0 | 0.0 | 0.0 | 26,181,194.0 | | Depósitos de Ahorro | 10,095,284.8 | 8,655,358.3 | 9,481,636.5 | 5,558,122.5 | 1,167,617.8 | 889,616.6 | 0.0 | 1,587,532.9 | 0.0 | 0.0 | 0.0 | 0.0 | 37,435,169.5 | | Depósitos a Plazo | 7,024,014.3 | 6,879,573.5 | 5,037,595.6 | 3,273,145.5 | 1,925,498.3 | 1,520,945.4 | 0.0 | 68,574.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,729,346.6 | | 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 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 177,241.2 | 153,791.3 | 128,688.2 | 111,664.8 | 36,984.1 | 33,474.4 | 0.0 | 1,352.9 | 0.0 | 0.0 | 0.0 | 0.0 | 643,197.0 | | Otras Obligaciones Diversas con el Público | 426,738.7 | 488,066.5 | 298,751.6 | 66,251.9 | 50,584.7 | 51,098.7 | 2,445.9 | 6,235.4 | 2,331.4 | 1,221.4 | 0.0 | 0.0 | 1,393,726.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,433,731.9 | 1,771,175.2 | 4,157,677.8 | 1,081,201.5 | 1,447,925.4 | 740,547.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,632,259.3 | | Obligaciones por Emisión de Deuda | 69,412.1 | 0.0 | 0.0 | 188,625.3 | 0.0 | 0.0 | 0.0 | 0.0 | 59,821.4 | 3,341.5 | 0.0 | 0.0 | 321,200.3 | | Pasivos por Operaciones de Reporto | 3,962,958.6 | 1,998,566.1 | 0.0 | 654,191.6 | 411,016.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,026,732.7 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,571,506.6 | 8,401,594.3 | 4,569,360.3 | 4,356,404.7 | 2,791,557.9 | 364,990.9 | 1,374,614.1 | 8,451.1 | 1,409,472.1 | 770,591.1 | 1,276,161.5 | 2,268,982.9 | 35,163,687.4 | | Obligaciones con el Banco Central de Nicaragua | 555,997.5 | 156,876.7 | 0.0 | 183,039.4 | 526,266.3 | 23,454.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,445,634.5 | | Arrendamiento Financiero | 0.0 | 0.0 | 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 | 0.0 | 0.0 | | Pasivos Fiscales | 96,825.0 | 114,417.1 | 182,383.0 | 8,518.4 | 61,300.5 | 34,212.8 | 50,921.8 | 27,296.7 | 18,200.2 | 5,781.9 | 3,507.5 | 18,605.7 | 621,970.6 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,011,411.8 | 2,529,238.4 | 0.0 | 423,616.3 | 335,092.1 | 0.0 | 0.0 | 0.0 | 0.0 | 99,325.1 | 34,506.5 | 228,456.4 | 4,661,646.6 | | Otros Pasivos y Provisiones | 624,951.9 | 636,042.3 | 801,671.3 | 171,468.5 | 170,274.1 | 54,248.1 | 29,905.9 | 68,800.6 | 52,487.3 | 46,006.8 | 34,816.4 | 97,877.0 | 2,788,550.2 | | PATRIMONIO | 8,787,219.9 | 8,952,835.5 | 9,922,539.8 | 2,477,528.7 | 1,874,074.2 | 999,865.8 | 4,597,579.8 | 758,317.9 | 475,405.7 | 160,266.6 | 176,164.8 | 401,011.5 | 39,582,810.2 | | Fondos Propios | 8,631,290.9 | 8,480,863.2 | 9,565,620.4 | 2,455,803.4 | 1,650,753.5 | 945,691.7 | 4,481,315.5 | 743,438.5 | 438,013.9 | 153,923.7 | 174,925.1 | 363,592.5 | 38,085,232.4 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 1,173,560.0 | 879,702.5 | 838,390.9 | 3,748,993.2 | 524,600.0 | 345,032.0 | 300,360.0 | 259,500.1 | 540,637.2 | 19,663,147.9 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 5.8 | 93,614.9 | 33,353.7 | 126,975.3 | | 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 | 0.0 | 0.0 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,929.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,929.6 | | Reservas Patrimoniales | 1,587,607.8 | 1,676,386.5 | 1,680,969.5 | 455,966.6 | 293,711.2 | 69,414.5 | 409,316.6 | 27,360.8 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 6,268,143.5 | | Resultados Acumulados | 2,875,102.6 | 2,170,978.0 | 4,733,307.3 | 795,444.8 | 471,200.2 | 33,631.2 | 0.0 | 150,223.1 | 80,125.0 | -120,903.3 | -84,386.0 | -115,389.0 | 10,989,333.9 | | Resultado del Ejercicio | 240,080.5 | 364,626.1 | 296,343.6 | 30,832.0 | 6,139.6 | 4,254.8 | 69,076.1 | 41,254.7 | -27,136.9 | -39,316.7 | -99,378.1 | -103,073.3 | 783,702.2 | | Otro Resultado Integral Neto | -1,178.9 | -3,507.8 | 3,647.6 | -5,622.5 | 0.0 | 0.0 | 61,186.3 | 0.0 | 0.0 | 0.0 | 0.0 | 4,241.5 | 58,766.1 | | Ajustes de Transición | 157,107.9 | 475,480.2 | 353,271.8 | 27,347.9 | 223,320.7 | 54,174.0 | 55,078.0 | 14,879.4 | 37,391.8 | 6,342.8 | 1,239.7 | 33,177.5 | 1,438,811.6 | | CUENTAS CONTINGENTES | 20,381,939.1 | 11,799,392.3 | 8,031,596.0 | 1,197,611.7 | 5,594,373.1 | 175,029.0 | 0.0 | 145,685.0 | 0.0 | 0.0 | 10,884.1 | 0.0 | 47,336,510.2 | | CUENTAS DE ORDEN | 96,429,956.3 | 48,813,682.3 | 281,549,199.8 | 64,254,184.1 | 19,486,779.9 | 13,759,432.7 | 8,643,859.6 | 3,309,444.0 | 2,312,900.0 | 3,377,747.4 | 2,385,083.7 | 3,169,803.9 | 547,492,073.7 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de éste estado financiero no ha sido auditada. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2019 C$ 32.8533 X US$ 1.00 | |
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