| | 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 | 62,660,547.7 | 53,199,699.9 | 47,760,990.0 | 21,020,265.1 | 13,287,218.0 | 5,618,779.0 | 6,067,758.1 | 6,649,092.0 | 1,864,462.3 | 992,715.7 | 1,500,339.3 | 2,802,676.8 | 223,424,544.0 | | Efectivo y Equivalentes de Efectivo | 15,910,497.0 | 8,133,181.0 | 17,272,640.6 | 4,496,077.6 | 3,356,833.9 | 2,120,861.2 | 331,627.1 | 4,497,485.6 | 440,726.8 | 227,425.6 | 273,053.6 | 474,329.5 | 57,534,739.4 | | Moneda Nacional | 5,808,348.3 | 2,297,824.4 | 3,158,439.5 | 848,404.0 | 478,852.6 | 587,957.3 | 9,775.9 | 1,898,779.8 | 58,492.4 | 24,185.0 | 208,422.8 | 170,658.1 | 15,550,140.2 | | Caja | 1,428,002.1 | 811,230.2 | 1,454,823.1 | 238,052.7 | 135,059.4 | 128,262.2 | 210.0 | 140,149.8 | 12,751.8 | 5,502.2 | 14,108.2 | 50,482.3 | 4,418,634.0 | | Banco Central de Nicaragua | 4,000,661.3 | 1,338,769.0 | 1,501,049.3 | 462,433.9 | 321,010.2 | 115,520.4 | 9.1 | 1,756,540.0 | 54.6 | 8.3 | 99.4 | 0.0 | 9,496,155.4 | | Instituciones Financieras | 130,858.5 | 147,825.2 | 202,567.1 | 147,917.4 | 22,783.0 | 15,145.6 | 9,556.9 | 2,090.0 | 45,686.1 | 18,674.4 | 108,774.4 | 120,175.8 | 972,054.4 | | 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 | 248,826.5 | 0.0 | 0.0 | 0.0 | 0.0 | 329,029.2 | 0.0 | 0.0 | 0.0 | 0.0 | 85,440.8 | 0.0 | 663,296.4 | | Moneda Extranjera | 10,102,148.7 | 5,835,356.6 | 14,114,201.1 | 3,647,673.6 | 2,877,981.2 | 1,532,903.9 | 321,851.2 | 2,598,705.8 | 382,234.4 | 203,240.6 | 64,630.8 | 303,671.4 | 41,984,599.2 | | Caja | 963,629.3 | 520,782.2 | 1,918,677.8 | 274,269.4 | 257,407.9 | 257,200.3 | 553.0 | 89,465.2 | 13,195.5 | 1,379.7 | 6,789.4 | 23,305.8 | 4,326,655.3 | | Banco Central de Nicaragua | 4,918,719.6 | 3,187,412.8 | 6,175,749.8 | 2,076,641.4 | 1,157,588.6 | 458,293.3 | 1,187.0 | 2,410,118.3 | 16,561.8 | 16.6 | 844.6 | 0.0 | 20,403,133.8 | | Instituciones Financieras | 4,202,041.1 | 1,878,279.2 | 6,019,773.5 | 1,265,841.9 | 1,339,168.8 | 202,724.7 | 316,798.9 | 99,122.3 | 352,477.1 | 201,844.4 | 56,996.8 | 280,365.6 | 16,215,434.2 | | Depósitos Restringidos | 17,758.7 | 248,882.4 | 0.0 | 30,921.0 | 92,742.2 | 3,430.4 | 3,312.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 397,046.9 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 31,073.8 | 611,255.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 642,328.9 | | 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 | 0.0 | 0.0 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,655,255.1 | 8,719,844.8 | 7,176.3 | 277,865.1 | 6,750.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,673,891.3 | | Cartera a Costo Amortizado | 42,338,588.2 | 32,623,262.4 | 29,036,047.2 | 15,504,844.7 | 9,046,767.3 | 3,074,890.0 | 5,520,910.2 | 2,050,399.6 | 1,214,359.5 | 687,506.7 | 1,157,731.3 | 2,176,266.8 | 144,431,573.9 | | Inversiones a Costo Amortizado, Neto | 4,747,272.2 | 5,632,845.6 | 0.0 | 652,281.3 | 1,951,105.3 | 0.0 | 2,794,815.2 | 1,502.7 | 331.9 | 0.0 | 0.0 | 100,127.3 | 15,880,281.5 | | Cartera de Créditos, Neta | 37,591,316.0 | 26,990,416.8 | 29,036,047.2 | 14,852,563.5 | 7,095,662.0 | 3,074,890.0 | 2,726,095.0 | 2,048,896.9 | 1,214,027.6 | 687,506.7 | 1,157,731.3 | 2,076,139.5 | 128,551,292.4 | | Vigentes | 35,890,421.9 | 25,162,455.5 | 27,005,713.8 | 14,144,273.4 | 6,404,613.6 | 2,752,315.4 | 2,698,418.3 | 1,733,906.6 | 1,054,463.8 | 567,988.5 | 945,558.0 | 1,899,475.7 | 120,259,604.3 | | Prorrogados | 156,176.0 | 146,172.1 | 925,205.5 | 0.0 | 66,175.6 | 21,715.1 | 7,039.5 | 0.0 | 1,228.9 | 3,659.6 | 0.0 | 0.0 | 1,327,372.1 | | Reestructurados | 1,668,016.0 | 2,056,657.1 | 1,542,788.2 | 684,586.4 | 645,342.5 | 403,200.9 | 59,093.2 | 209,742.9 | 253,989.0 | 171,316.6 | 211,085.9 | 273,782.0 | 8,179,600.8 | | Vencidos | 598,905.3 | 595,826.7 | 837,380.8 | 332,997.6 | 265,316.5 | 58,524.4 | 10,703.1 | 146,663.2 | 91,143.0 | 88,790.0 | 178,827.3 | 230,444.1 | 3,435,522.0 | | Cobro Judicial | 346,663.7 | 362,345.1 | 483,514.3 | 163,621.7 | 46,684.5 | 38,125.6 | 131,040.6 | 19,073.9 | 0.0 | 23,467.1 | 543.8 | 0.0 | 1,615,080.3 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -80,767.1 | -122,476.0 | -143,436.7 | -14,726.3 | -22,152.7 | -16,534.8 | -2,740.0 | -5,294.9 | -1,637.4 | -4,041.3 | -9,761.9 | 0.0 | -423,569.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 643,170.6 | 486,770.1 | 326,980.8 | 172,085.0 | 139,199.5 | 56,181.2 | 43,880.1 | 43,560.5 | 24,946.5 | 21,192.8 | 65,329.1 | 87,041.1 | 2,110,337.2 | | (-) Provisión de Cartera de Créditos | -1,631,270.6 | -1,697,333.7 | -1,942,099.6 | -630,274.3 | -449,517.5 | -238,637.8 | -221,339.7 | -98,755.2 | -210,106.3 | -184,866.4 | -233,850.9 | -414,603.4 | -7,952,655.4 | | Cuentas por Cobrar, Neto | 202,665.0 | 589,878.0 | 133,070.8 | 61,683.6 | 94,658.1 | 39,800.4 | 2,646.7 | 15,934.3 | 30,200.9 | 2,616.6 | 1,997.2 | 17,594.2 | 1,192,746.0 | | Activos no Corrientes Mantenidos para la Venta | 7,923.6 | 0.0 | 0.0 | 2,708.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,632.3 | | Activos Recibidos en Recuperación de Créditos | 177,685.5 | 171,187.3 | 22,802.5 | 62,825.6 | 7,562.1 | 3,411.9 | 0.0 | 2,980.0 | 7,638.9 | 16,494.5 | 1,835.6 | 1,570.2 | 475,994.0 | | Participaciones | 250,808.7 | 1,678,560.1 | 65,606.0 | 29,761.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,024,736.4 | | Activo Material | 1,759,935.7 | 874,879.7 | 1,159,361.7 | 375,295.6 | 427,190.6 | 300,816.4 | 158,737.8 | 1,338.2 | 112,965.6 | 50,413.3 | 49,029.2 | 79,021.1 | 5,348,984.8 | | Activos Intangibles | 132,143.0 | 65,523.0 | 19,983.1 | 49,724.9 | 151,030.2 | 50,086.0 | 45,889.4 | 47,467.8 | 30,913.0 | 0.0 | 13,544.6 | 23,890.2 | 630,195.2 | | Activos Fiscales | 10,238.0 | 109,702.6 | 207.9 | 63,707.6 | 81,721.0 | 7,027.9 | 0.0 | 19,559.7 | 12,123.2 | 4,208.8 | 0.0 | 14,680.5 | 323,177.2 | | Otros Activos | 214,807.9 | 233,681.0 | 44,093.9 | 95,770.1 | 114,704.9 | 15,135.3 | 7,696.9 | 13,926.7 | 15,534.4 | 4,050.2 | 3,147.9 | 15,324.3 | 777,873.5 | | Pasivo | 53,775,270.5 | 44,054,424.6 | 37,722,272.5 | 18,543,145.0 | 11,411,562.7 | 4,617,243.1 | 1,453,093.4 | 5,928,933.0 | 1,425,343.6 | 865,498.3 | 1,352,528.4 | 2,334,537.4 | 183,483,852.5 | | Pasivos Financieros a Costo Amortizado | 52,070,366.0 | 40,858,138.0 | 36,679,533.1 | 17,862,611.7 | 10,813,102.1 | 4,532,929.5 | 1,362,944.8 | 5,854,876.8 | 1,352,463.1 | 715,118.8 | 1,269,414.5 | 2,070,729.6 | 175,442,227.9 | | Obligaciones con el Público | 37,829,950.0 | 28,198,205.3 | 28,094,892.4 | 11,544,106.2 | 6,050,349.3 | 3,580,013.4 | 0.0 | 5,853,603.5 | 0.0 | 0.0 | 0.0 | 0.0 | 121,151,120.1 | | Moneda Nacional | 13,229,102.3 | 7,597,451.5 | 6,679,336.4 | 1,687,150.1 | 974,941.4 | 729,529.4 | 0.0 | 1,378,566.2 | 0.0 | 0.0 | 0.0 | 0.0 | 32,276,077.4 | | Depósitos a la Vista | 7,140,189.0 | 4,262,972.9 | 4,306,022.3 | 334,307.0 | 811,051.1 | 545,583.1 | 0.0 | 718,913.1 | 0.0 | 0.0 | 0.0 | 0.0 | 18,119,038.5 | | Depósitos de Ahorro | 5,161,717.0 | 2,890,026.4 | 2,046,790.3 | 1,198,711.1 | 136,697.7 | 154,244.8 | 0.0 | 659,653.1 | 0.0 | 0.0 | 0.0 | 0.0 | 12,247,840.4 | | Depósitos a Plazo | 927,196.3 | 444,452.3 | 326,523.8 | 154,132.0 | 27,192.6 | 29,701.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,909,198.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 24,407,759.1 | 20,459,516.4 | 21,288,608.1 | 9,743,239.6 | 5,032,668.2 | 2,817,349.7 | 0.0 | 4,474,996.8 | 0.0 | 0.0 | 0.0 | 0.0 | 88,224,137.8 | | Depósitos a la Vista | 7,140,214.6 | 5,111,884.5 | 6,610,557.0 | 845,868.8 | 1,659,844.5 | 522,620.0 | 0.0 | 3,080,012.4 | 0.0 | 0.0 | 0.0 | 0.0 | 24,971,001.7 | | Depósitos de Ahorro | 10,163,778.4 | 8,787,160.0 | 9,610,555.2 | 5,618,621.1 | 1,324,487.9 | 905,695.6 | 0.0 | 1,394,984.5 | 0.0 | 0.0 | 0.0 | 0.0 | 37,805,282.6 | | Depósitos a Plazo | 7,103,766.1 | 6,560,471.9 | 5,067,495.9 | 3,278,749.7 | 2,048,335.8 | 1,389,034.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,447,853.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 193,088.6 | 141,237.4 | 126,947.9 | 113,716.5 | 42,739.8 | 33,134.2 | 0.0 | 40.4 | 0.0 | 0.0 | 0.0 | 0.0 | 650,904.9 | | Otras Obligaciones Diversas con el Público | 446,678.9 | 268,360.0 | 268,764.6 | 47,709.2 | 45,773.4 | 58,498.0 | 2,738.4 | 1,273.3 | 2,586.9 | 1,326.9 | 0.0 | 0.0 | 1,143,709.5 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,553,710.1 | 1,715,041.0 | 4,621,152.0 | 1,046,186.3 | 1,158,762.2 | 620,699.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,715,550.6 | | Obligaciones por Emisión de Deuda | 70,143.2 | 0.0 | 0.0 | 157,115.1 | 0.0 | 0.0 | 0.0 | 0.0 | 13,347.6 | 0.0 | 0.0 | 0.0 | 240,605.9 | | Pasivos por Operaciones de Reporto | 4,011,810.0 | 2,428,828.3 | 0.0 | 657,261.2 | 455,233.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,553,133.2 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,598,356.2 | 8,093,531.6 | 3,694,724.1 | 4,218,611.7 | 2,566,437.2 | 250,072.5 | 1,360,206.4 | 0.0 | 1,336,528.7 | 713,792.0 | 1,269,414.5 | 2,070,729.6 | 33,172,404.5 | | Obligaciones con el Banco Central de Nicaragua | 559,717.5 | 154,171.7 | 0.0 | 191,622.1 | 536,546.2 | 23,646.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,465,704.1 | | 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 | 101,363.7 | 145,996.1 | 152,157.4 | 20,651.0 | 59,355.8 | 36,498.7 | 50,926.1 | 10,942.9 | 18,357.3 | 5,202.9 | 2,854.6 | 19,276.4 | 623,582.9 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,021,226.8 | 2,432,261.0 | 0.0 | 433,877.3 | 343,733.7 | 0.0 | 0.0 | 0.0 | 0.0 | 101,932.0 | 50,292.6 | 161,505.7 | 4,544,829.0 | | Otros Pasivos y Provisiones | 582,314.0 | 618,029.4 | 890,581.9 | 226,005.0 | 195,371.2 | 47,814.9 | 39,222.6 | 63,113.3 | 54,523.2 | 43,244.5 | 29,966.8 | 83,025.7 | 2,873,212.7 | | PATRIMONIO | 8,885,277.1 | 9,145,275.4 | 10,038,717.5 | 2,477,120.1 | 1,875,655.3 | 1,001,535.9 | 4,614,664.7 | 720,159.0 | 439,118.6 | 127,217.4 | 147,810.9 | 468,139.4 | 39,940,691.5 | | Fondos Propios | 8,750,343.1 | 8,658,156.1 | 9,681,798.2 | 2,465,477.9 | 1,652,334.6 | 947,590.3 | 4,498,400.4 | 705,279.7 | 401,726.9 | 120,874.6 | 146,569.3 | 430,720.4 | 38,459,271.3 | | 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 | 622,320.9 | 19,744,831.6 | | 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 | 50,508.2 | 144,129.8 | | 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 | 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 | 2,876,361.7 | 2,170,978.0 | 4,733,307.3 | 798,431.5 | 471,200.2 | 33,533.3 | 0.0 | 150,223.1 | 80,130.6 | -120,903.3 | -84,386.0 | -115,389.0 | 10,993,487.4 | | Resultado del Ejercicio | 357,873.6 | 541,919.0 | 412,521.3 | 37,519.9 | 7,720.7 | 6,251.3 | 86,161.0 | 3,095.8 | -63,429.5 | -72,365.9 | -127,734.0 | -134,783.7 | 1,054,749.5 | | Otro Resultado Integral Neto | -24,106.9 | 11,639.1 | 3,647.6 | -3,616.5 | 0.0 | 0.0 | 61,186.3 | 0.0 | 0.0 | 0.0 | 0.0 | 4,241.5 | 52,991.2 | | Ajustes de Transición | 159,040.9 | 475,480.2 | 353,271.8 | 15,258.7 | 223,320.7 | 53,945.6 | 55,078.0 | 14,879.4 | 37,391.8 | 6,342.8 | 1,241.6 | 33,177.5 | 1,428,429.0 | | CUENTAS CONTINGENTES | 18,129,793.1 | 12,041,609.5 | 7,890,647.6 | 1,148,498.5 | 5,564,351.0 | 173,180.5 | 0.0 | 85,712.7 | 0.0 | 0.0 | 14,362.1 | 0.0 | 45,048,155.0 | | CUENTAS DE ORDEN | 92,481,019.3 | 49,897,540.8 | 244,281,313.3 | 63,789,732.3 | 20,598,623.0 | 13,646,326.9 | 8,608,661.7 | 3,065,692.5 | 2,308,698.5 | 3,274,644.2 | 2,469,561.5 | 3,312,143.2 | 507,733,957.5 |
| | 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 JUNIO DE 2019 C$ 33.1222 X US$ 1.00 | |
|
