| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | Banco Atlántida | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 69,045,826.5 | 57,751,670.2 | 50,873,942.1 | 19,366,840.8 | 14,479,596.2 | 5,522,670.3 | 6,359,775.8 | 428,514.8 | 1,556,053.3 | 863,587.4 | 1,515,449.3 | 2,455,565.9 | 230,219,492.7 | | Efectivo y Equivalentes de Efectivo | 19,427,968.0 | 11,494,288.8 | 20,000,033.9 | 4,660,009.5 | 3,374,306.1 | 1,361,899.1 | 408,466.0 | 275,353.3 | 237,790.9 | 409,178.9 | 435,715.8 | 235,847.9 | 62,320,858.3 | | Moneda Nacional | 4,975,858.8 | 2,538,571.9 | 3,701,095.9 | 1,002,259.0 | 376,556.4 | 278,285.2 | 92,904.7 | 3,183.5 | 36,088.2 | 58,738.7 | 297,416.5 | 97,907.4 | 13,458,866.3 | | Caja | 1,931,168.6 | 1,215,473.5 | 1,868,997.6 | 293,432.8 | 192,314.7 | 95,605.1 | 177.1 | 762.4 | 15,931.5 | 8,710.4 | 17,019.9 | 61,519.3 | 5,701,112.8 | | Banco Central de Nicaragua | 2,014,151.4 | 1,245,356.4 | 1,706,046.1 | 673,718.0 | 159,636.2 | 165,276.2 | 8.5 | 2,215.6 | 11,528.2 | 8.3 | 99.4 | 0.0 | 5,978,044.5 | | Instituciones Financieras | 130,528.4 | 77,742.0 | 126,052.2 | 35,108.2 | 24,605.5 | 17,403.9 | 92,719.1 | 205.5 | 8,628.5 | 50,020.0 | 190,025.1 | 36,388.1 | 789,426.5 | | 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 | 900,010.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 90,272.1 | 0.0 | 990,282.5 | | Moneda Extranjera | 14,452,109.2 | 8,955,716.9 | 16,298,938.0 | 3,657,750.4 | 2,997,749.7 | 1,083,613.9 | 315,561.2 | 272,169.8 | 201,702.7 | 350,440.2 | 138,299.3 | 137,940.6 | 48,861,991.9 | | Caja | 1,217,219.0 | 625,790.2 | 1,315,609.0 | 246,533.7 | 378,894.1 | 193,202.2 | 887.9 | 9,487.1 | 13,673.0 | 1,241.0 | 8,264.7 | 27,243.1 | 4,038,045.2 | | Banco Central de Nicaragua | 4,551,280.4 | 3,590,684.3 | 4,134,905.6 | 2,084,681.1 | 1,509,295.6 | 459,413.7 | 4,889.6 | 261,051.7 | 90,332.4 | 17.0 | 869.2 | 0.0 | 16,687,420.7 | | Instituciones Financieras | 7,857,095.9 | 2,117,048.2 | 8,120,451.9 | 1,294,276.7 | 638,212.1 | 152,881.3 | 306,374.9 | 1,631.0 | 97,697.2 | 349,182.2 | 129,165.4 | 110,697.4 | 21,174,714.2 | | Depósitos Restringidos | 314,982.6 | 447,206.1 | 0.0 | 32,259.0 | 95,445.6 | 3,585.9 | 3,408.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 896,887.9 | | Equivalentes de Efectivo | 511,531.2 | 2,174,988.2 | 2,727,971.4 | 0.0 | 375,902.3 | 274,530.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,064,923.9 | | 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 | 2,354,825.2 | 12,603,053.9 | 815,132.0 | 117,725.2 | 3,579,836.1 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 19,477,572.4 | | Cartera a Costo Amortizado | 44,528,498.5 | 29,401,627.8 | 28,641,555.3 | 13,798,169.6 | 6,651,895.4 | 3,756,319.4 | 5,770,775.3 | 113,385.9 | 1,133,022.8 | 378,367.1 | 1,020,717.5 | 2,103,058.7 | 137,297,393.3 | | Inversiones a Costo Amortizado, Neto | 5,866,259.7 | 4,371,090.8 | 0.0 | 581,755.5 | 0.0 | 487,071.2 | 3,186,713.0 | 0.0 | 351.8 | 0.0 | 0.0 | 119,694.7 | 14,612,936.7 | | Cartera de Créditos, Neta | 38,662,238.8 | 25,030,537.1 | 28,641,555.3 | 13,216,414.1 | 6,651,895.4 | 3,269,248.2 | 2,584,062.2 | 113,385.9 | 1,132,671.0 | 378,367.1 | 1,020,717.5 | 1,983,363.9 | 122,684,456.5 | | Vigentes | 36,298,093.6 | 21,974,805.3 | 27,157,756.8 | 12,192,693.5 | 5,892,680.2 | 2,938,845.2 | 2,568,087.0 | 115,037.5 | 1,052,269.0 | 298,644.9 | 906,502.0 | 1,844,840.1 | 113,240,255.1 | | Prorrogados | 167,743.5 | 74,180.3 | 469,510.3 | 1,351.4 | 0.0 | 0.0 | 82.9 | 0.0 | 120.6 | 613.3 | 0.0 | 0.0 | 713,602.3 | | Reestructurados | 2,401,466.4 | 3,263,060.8 | 1,775,876.3 | 1,017,109.8 | 806,809.1 | 444,370.7 | 46,650.0 | 0.0 | 155,722.9 | 93,110.7 | 140,579.4 | 212,840.9 | 10,357,597.1 | | Vencidos | 442,521.8 | 433,237.8 | 451,830.5 | 237,458.4 | 174,313.6 | 73,834.9 | 14,111.1 | 0.0 | 65,117.0 | 42,485.5 | 67,262.2 | 96,652.5 | 2,098,825.4 | | Cobro Judicial | 432,186.4 | 480,682.4 | 640,298.8 | 210,868.2 | 25,340.6 | 23,681.4 | 107,815.6 | 0.0 | 0.0 | 35,211.7 | 3,859.1 | 5,780.3 | 1,965,724.5 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -75,854.0 | -104,371.4 | -136,259.9 | -11,260.1 | -10,285.8 | -15,801.8 | -1,911.2 | -973.2 | -922.5 | -2,233.3 | -11,599.0 | 0.0 | -371,472.1 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 653,863.2 | 432,045.0 | 320,262.1 | 161,153.1 | 117,739.0 | 65,217.9 | 47,445.3 | 476.6 | 24,628.4 | 14,040.3 | 65,088.5 | 73,266.3 | 1,975,225.6 | | (-) Provisión de Cartera de Créditos | -1,657,782.2 | -1,523,103.1 | -2,037,719.6 | -592,960.2 | -354,701.2 | -260,900.2 | -198,218.5 | -1,155.1 | -164,264.4 | -103,506.0 | -150,974.7 | -250,016.2 | -7,295,301.3 | | Cuentas por Cobrar, Neto | 124,668.9 | 674,296.1 | 125,220.0 | 131,899.6 | 127,123.7 | 24,584.4 | 1,733.9 | 4,767.6 | 19,998.6 | 4,947.5 | 1,304.3 | 6,930.3 | 1,247,474.9 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 50,160.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 50,160.6 | | Activos Recibidos en Recuperación de Créditos | 364,657.3 | 397,876.3 | 40,618.3 | 102,721.0 | 18,390.1 | 5,906.2 | 0.0 | 0.0 | 7,958.8 | 20,583.8 | 1,715.5 | 3,589.5 | 964,016.9 | | Participaciones | 267,865.4 | 1,896,421.7 | 72,238.0 | 30,081.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,266,606.4 | | Activo Material | 1,633,164.9 | 851,986.3 | 1,143,833.1 | 348,900.8 | 414,149.0 | 280,527.3 | 153,069.5 | 13,141.0 | 106,859.5 | 45,444.8 | 42,191.4 | 63,318.8 | 5,096,586.3 | | Activos Intangibles | 132,672.7 | 144,026.6 | 10,849.8 | 38,908.8 | 188,019.3 | 46,019.2 | 14,334.8 | 11,313.3 | 30,583.4 | 0.0 | 10,942.8 | 17,127.0 | 644,797.8 | | Activos Fiscales | 9,593.3 | 91,622.9 | 5,157.5 | 67,452.8 | 96,268.6 | 2,128.0 | 977.3 | 0.0 | 12,328.5 | 3,428.3 | 10.9 | 14,256.7 | 303,224.9 | | Otros Activos | 201,912.3 | 146,309.2 | 19,304.2 | 70,972.3 | 29,608.0 | 38,536.6 | 10,169.2 | 10,553.8 | 7,510.8 | 1,637.0 | 2,851.0 | 11,436.8 | 550,801.1 | | Pasivo | 59,468,677.1 | 48,049,440.8 | 40,153,352.7 | 16,842,626.9 | 12,585,105.8 | 4,518,122.0 | 1,537,047.9 | 64,214.8 | 1,188,634.5 | 774,107.0 | 1,239,214.9 | 1,955,951.0 | 188,376,495.4 | | Pasivos Financieros a Costo Amortizado | 57,683,881.7 | 44,821,556.8 | 39,349,917.4 | 16,262,809.5 | 11,935,118.8 | 4,410,729.5 | 1,390,009.9 | 49,715.8 | 1,126,425.1 | 636,837.8 | 1,199,615.4 | 1,687,349.1 | 180,553,966.8 | | Obligaciones con el Público | 41,442,239.3 | 32,668,380.0 | 32,506,369.8 | 10,463,321.3 | 7,786,282.0 | 3,575,845.1 | 0.0 | 28,995.0 | 0.0 | 0.0 | 0.0 | 0.0 | 128,471,432.5 | | Moneda Nacional | 15,138,695.1 | 9,287,667.9 | 8,005,725.9 | 2,082,535.3 | 1,038,651.1 | 744,177.4 | 0.0 | 1,366.7 | 0.0 | 0.0 | 0.0 | 0.0 | 36,298,819.4 | | Depósitos a la Vista | 8,119,561.1 | 5,408,993.4 | 5,197,300.2 | 410,182.5 | 703,234.6 | 552,893.4 | 0.0 | 1,310.7 | 0.0 | 0.0 | 0.0 | 0.0 | 20,393,475.9 | | Depósitos de Ahorro | 5,992,870.7 | 3,576,721.3 | 2,404,862.5 | 1,515,127.5 | 169,657.9 | 171,090.2 | 0.0 | 56.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,830,386.2 | | Depósitos a Plazo | 1,026,263.2 | 301,953.2 | 403,563.1 | 157,225.4 | 165,758.7 | 20,193.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,074,957.3 | | 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 | 26,106,962.7 | 23,248,586.8 | 24,388,860.7 | 8,280,340.8 | 6,690,034.6 | 2,814,213.8 | 0.0 | 27,563.5 | 0.0 | 0.0 | 0.0 | 0.0 | 91,556,562.9 | | Depósitos a la Vista | 6,379,607.7 | 6,635,012.2 | 7,935,909.1 | 761,167.6 | 1,768,210.1 | 856,967.3 | 0.0 | 7,578.9 | 0.0 | 0.0 | 0.0 | 0.0 | 24,344,452.9 | | Depósitos de Ahorro | 11,489,524.2 | 10,665,592.2 | 11,079,879.6 | 3,924,016.7 | 1,413,104.2 | 1,010,821.8 | 0.0 | 2,374.5 | 0.0 | 0.0 | 0.0 | 0.0 | 39,585,313.3 | | Depósitos a Plazo | 8,237,830.8 | 5,947,982.4 | 5,373,072.1 | 3,595,156.5 | 3,508,720.3 | 946,424.7 | 0.0 | 17,610.1 | 0.0 | 0.0 | 0.0 | 0.0 | 27,626,796.8 | | 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 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 196,581.5 | 132,125.3 | 111,783.2 | 100,445.2 | 57,596.3 | 17,453.9 | 0.0 | 64.7 | 0.0 | 0.0 | 0.0 | 0.0 | 616,050.1 | | Otras Obligaciones Diversas con el Público | 1,451,411.3 | 305,419.2 | 297,726.4 | 621,765.3 | 68,069.0 | 33,126.4 | 7,203.1 | 11.0 | 3,733.8 | 2,709.8 | 0.0 | 0.0 | 2,791,175.2 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,194,859.4 | 1,689,617.7 | 4,881,432.5 | 1,279,774.0 | 1,800,978.9 | 564,874.8 | 0.0 | 20,709.8 | 0.0 | 0.0 | 0.0 | 0.0 | 12,432,247.2 | | Obligaciones por Emisión de Deuda | 120,479.4 | 0.0 | 0.0 | 14,685.1 | 0.0 | 0.0 | 0.0 | 0.0 | 3,441.5 | 0.0 | 0.0 | 0.0 | 138,606.1 | | Pasivos por Operaciones de Reporto | 1,324,767.5 | 0.0 | 0.0 | 449,764.1 | 299,834.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,074,366.2 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 10,439,468.1 | 10,155,335.4 | 1,664,388.7 | 3,238,159.9 | 1,603,370.3 | 236,883.2 | 1,382,806.8 | 0.0 | 1,119,249.8 | 634,128.0 | 1,199,615.4 | 1,687,349.1 | 33,360,754.6 | | Obligaciones con el Banco Central de Nicaragua | 710,656.6 | 2,804.5 | 0.0 | 195,339.8 | 376,584.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,285,385.0 | | 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 | 121,651.7 | 176,683.2 | 170,841.1 | 57,904.3 | 67,169.8 | 37,008.7 | 101,224.6 | 84.2 | 16,404.4 | 5,185.6 | 3,846.2 | 17,021.2 | 775,025.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,041,545.3 | 2,512,073.4 | 0.0 | 379,774.5 | 344,783.9 | 0.0 | 0.0 | 0.0 | 0.0 | 103,793.8 | 0.0 | 182,283.8 | 4,564,254.6 | | Otros Pasivos y Provisiones | 621,598.4 | 539,127.4 | 632,594.2 | 142,138.6 | 238,033.2 | 70,383.8 | 45,813.5 | 14,414.8 | 45,805.0 | 28,289.8 | 35,753.3 | 69,296.9 | 2,483,249.0 | | PATRIMONIO | 9,577,149.4 | 9,702,229.4 | 10,720,589.4 | 2,524,214.0 | 1,894,490.4 | 1,004,548.3 | 4,822,727.9 | 364,300.1 | 367,418.8 | 89,480.4 | 276,234.4 | 499,614.9 | 41,842,997.4 | | Fondos Propios | 9,419,721.7 | 9,308,099.1 | 10,332,478.1 | 2,507,748.0 | 1,641,343.8 | 948,835.3 | 4,715,104.1 | 364,300.1 | 324,944.7 | 83,137.5 | 275,156.5 | 472,351.1 | 40,393,220.0 | | 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 | 3,941,089.4 | 416,478.1 | 345,032.0 | 300,360.0 | 394,748.3 | 622,320.9 | 19,964,054.2 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 24,535.1 | 8,196.3 | 50,508.2 | 83,240.5 | | 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 | 258,213.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,213.7 | | Reservas Patrimoniales | 1,711,973.0 | 1,676,386.5 | 1,829,967.3 | 466,142.4 | 300,105.9 | 70,795.5 | 441,584.8 | 0.0 | 0.0 | 13,777.9 | 5,574.3 | 8,063.9 | 6,524,371.5 | | Resultados Acumulados | 3,585,609.4 | 3,122,492.8 | 5,408,219.0 | 845,250.4 | 458,682.3 | 34,800.1 | 0.0 | -35,803.2 | -28,204.9 | -249,420.2 | -134,599.7 | -237,182.5 | 12,769,843.5 | | Resultado del Ejercicio | 193,639.3 | 240,347.2 | 239,291.9 | 22,795.1 | 2,853.1 | 4,848.5 | 74,216.2 | -16,374.8 | 8,117.6 | -6,115.3 | 1,237.2 | 28,640.6 | 793,496.6 | | Otro Resultado Integral Neto | 15,850.1 | -80,373.5 | 34,839.5 | 3,583.9 | 29,826.0 | 2,009.9 | 0.0 | 0.0 | 5,050.1 | 0.0 | 0.0 | 208.2 | 10,994.2 | | Ajustes de Transición | 141,577.6 | 474,503.9 | 353,271.8 | 12,882.1 | 223,320.7 | 53,703.1 | 107,623.8 | 0.0 | 37,424.1 | 6,342.8 | 1,077.9 | 27,055.6 | 1,438,783.2 | | CUENTAS CONTINGENTES | 17,556,638.8 | 12,059,025.2 | 8,022,580.5 | 1,037,743.8 | 6,210,847.6 | 391,859.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 45,278,695.0 | | CUENTAS DE ORDEN | 96,171,667.2 | 45,902,631.2 | 271,064,332.3 | 63,810,393.0 | 20,543,110.4 | 14,002,161.6 | 8,249,756.4 | 140,054.8 | 2,251,167.2 | 2,563,383.9 | 2,550,053.9 | 3,529,754.1 | 530,778,465.8 |
| | 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 31 DE MARZO DE 2020 C$ 34.0877 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. |
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