| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 72,428,947.9 | 62,795,161.1 | 53,332,387.7 | 18,171,903.9 | 17,143,753.9 | 6,091,318.7 | 6,531,804.5 | 708,081.0 | 1,500,596.6 | 2,520,985.6 | 241,224,940.9 | | Efectivo y Equivalentes de Efectivo | 20,485,222.6 | 12,474,619.3 | 14,922,300.9 | 4,805,117.9 | 4,199,344.7 | 1,530,290.8 | 291,662.3 | 206,456.0 | 199,418.8 | 453,063.3 | 59,567,496.8 | | Moneda Nacional | 6,940,487.7 | 3,430,333.2 | 3,659,138.2 | 1,036,338.9 | 707,317.2 | 254,529.7 | 61,125.9 | 30,037.4 | 76,125.1 | 192,795.6 | 16,388,228.8 | | Caja | 1,589,212.6 | 1,040,141.7 | 1,886,352.8 | 229,973.9 | 256,912.6 | 97,007.6 | 153.5 | 15,570.7 | 16,428.1 | 62,478.6 | 5,194,232.1 | | Banco Central de Nicaragua | 2,637,549.0 | 2,214,344.8 | 1,579,627.4 | 745,425.4 | 371,759.6 | 145,091.3 | 101.8 | 14,147.0 | 36,762.6 | 0.0 | 7,744,808.9 | | Instituciones Financieras | 463,780.0 | 175,846.6 | 193,158.1 | 60,939.6 | 77,957.4 | 12,430.7 | 60,870.6 | 319.7 | 22,934.4 | 130,317.0 | 1,198,554.1 | | Depósitos Restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 687.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 687.7 | | Equivalentes de Efectivo | 2,249,946.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,249,946.0 | | Moneda Extranjera | 13,544,734.9 | 9,044,286.1 | 11,263,162.7 | 3,768,779.0 | 3,492,027.5 | 1,275,761.1 | 230,536.5 | 176,418.6 | 123,293.7 | 260,267.7 | 43,179,268.0 | | Caja | 974,138.9 | 617,494.0 | 1,619,610.6 | 228,442.1 | 476,005.8 | 238,093.4 | 731.7 | 15,032.8 | 16,268.6 | 33,690.0 | 4,219,507.8 | | Banco Central de Nicaragua | 4,630,117.6 | 4,373,918.9 | 6,280,566.2 | 2,996,156.6 | 2,346,132.9 | 503,569.0 | 4,021.5 | 160,997.9 | 52,499.1 | 0.0 | 21,347,979.6 | | Instituciones Financieras | 4,911,514.4 | 1,157,809.0 | 3,362,985.9 | 511,152.9 | 392,200.0 | 492,097.0 | 225,783.2 | 387.9 | 54,526.1 | 226,577.8 | 11,335,034.3 | | Depósitos Restringidos | 518,405.3 | 764,383.9 | 0.0 | 33,027.4 | 102,548.6 | 3,671.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,422,036.6 | | Equivalentes de Efectivo | 2,510,558.7 | 2,130,680.3 | 0.0 | 0.0 | 175,140.2 | 38,330.4 | 0.0 | 0.0 | 0.0 | 0.0 | 4,854,709.7 | | 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 | 2,427,161.7 | 17,233,515.0 | 9,553,639.8 | 221,471.6 | 5,277,604.6 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 34,720,392.7 | | Cartera a Costo Amortizado | 46,679,656.1 | 29,032,216.5 | 27,373,507.0 | 12,310,156.5 | 6,814,570.7 | 4,162,997.5 | 6,070,288.1 | 415,445.8 | 1,124,413.1 | 1,975,255.5 | 135,958,506.8 | | Inversiones a Costo Amortizado, Neto | 6,822,945.5 | 6,952,193.9 | 0.0 | 633,894.6 | 0.0 | 175,689.7 | 2,990,352.2 | 0.0 | 354.1 | 104,975.0 | 17,680,405.1 | | Cartera de Créditos, Neta | 39,856,710.6 | 22,080,022.5 | 27,373,507.0 | 11,676,261.8 | 6,814,570.7 | 3,987,307.8 | 3,079,935.9 | 415,445.8 | 1,124,059.0 | 1,870,280.4 | 118,278,101.7 | | Vigentes | 37,478,453.3 | 18,134,253.2 | 22,294,348.1 | 10,311,794.4 | 5,867,153.7 | 3,666,333.6 | 3,086,586.5 | 419,573.8 | 1,075,374.0 | 1,764,111.3 | 104,097,981.9 | | Prorrogados | 96,690.7 | 26,077.7 | 1,410,591.4 | 9,840.9 | 6,213.8 | 0.0 | 0.0 | 0.0 | 2,246.4 | 4,317.5 | 1,555,978.4 | | Reestructurados | 2,384,787.1 | 4,113,665.0 | 5,009,618.2 | 1,268,258.1 | 866,248.0 | 458,528.7 | 47,038.2 | 0.0 | 96,286.6 | 101,189.7 | 14,345,619.6 | | Vencidos | 795,316.8 | 469,557.3 | 353,147.0 | 309,357.1 | 317,356.5 | 47,627.9 | 261.1 | 0.0 | 60,696.7 | 102,962.5 | 2,456,282.9 | | Cobro Judicial | 329,765.9 | 656,263.7 | 751,094.8 | 222,455.9 | 15,440.0 | 25,597.2 | 41,606.6 | 0.0 | 0.0 | 5,086.3 | 2,047,310.6 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -75,328.0 | -86,321.3 | -117,427.6 | -9,737.9 | -5,858.6 | -15,908.1 | -2,606.1 | -2,241.8 | -2,003.2 | 0.0 | -317,432.5 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 645,379.4 | 391,974.9 | 362,655.4 | 149,668.3 | 118,760.3 | 79,574.7 | 42,403.4 | 1,975.7 | 23,473.4 | 86,561.1 | 1,902,426.7 | | (-) Provisión de Cartera de Créditos | -1,798,354.7 | -1,625,448.0 | -2,690,520.4 | -585,375.0 | -370,743.1 | -274,446.1 | -135,353.9 | -3,861.9 | -132,014.9 | -193,948.0 | -7,810,066.0 | | Cuentas por Cobrar, Neto | 215,281.1 | 442,373.0 | 121,570.5 | 63,751.5 | 37,038.0 | 41,906.6 | 1,892.3 | 1,280.3 | 27,265.4 | 9,466.9 | 961,825.6 | | 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 | 0.0 | | Activos Recibidos en Recuperación de Créditos | 302,172.1 | 306,536.1 | 34,745.0 | 77,907.8 | 27,230.9 | 14,660.0 | 0.0 | 0.0 | 4,804.6 | 4,064.6 | 772,121.1 | | Participaciones | 278,837.4 | 2,089,107.3 | 76,530.5 | 33,471.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,477,947.0 | | Activo Material | 1,500,402.8 | 798,587.8 | 1,140,641.0 | 308,196.9 | 391,376.2 | 270,811.4 | 150,445.0 | 25,805.7 | 96,219.9 | 45,991.9 | 4,728,478.6 | | Activos Intangibles | 186,268.8 | 132,140.4 | 5,905.1 | 32,054.6 | 191,351.8 | 47,474.0 | 5,890.6 | 33,908.2 | 28,247.1 | 11,679.0 | 674,919.7 | | Activos Fiscales | 10,866.6 | 116,071.3 | 0.0 | 202,017.7 | 142,739.0 | 1,669.9 | 1,067.1 | 6.7 | 12,443.9 | 14,265.8 | 501,148.0 | | Otros Activos | 343,078.6 | 169,994.4 | 103,547.9 | 117,757.6 | 62,497.9 | 14,758.6 | 10,309.2 | 25,178.3 | 7,783.7 | 7,198.5 | 862,104.7 | | Pasivo | 62,238,207.0 | 53,000,924.2 | 41,973,018.3 | 16,244,985.7 | 15,227,372.3 | 5,068,973.9 | 1,516,465.4 | 299,363.3 | 1,200,027.2 | 1,931,408.4 | 198,700,745.7 | | Pasivos Financieros a Costo Amortizado | 60,307,359.5 | 50,190,977.1 | 41,154,204.5 | 15,735,546.7 | 14,491,941.7 | 4,922,239.3 | 1,388,810.8 | 239,088.0 | 1,130,898.3 | 1,738,481.3 | 191,299,547.3 | | Obligaciones con el Público | 47,085,122.2 | 37,770,995.1 | 39,023,097.0 | 11,236,294.3 | 10,740,944.1 | 4,136,807.1 | 0.0 | 166,676.1 | 0.0 | 0.0 | 150,159,935.9 | | Moneda Nacional | 17,416,755.2 | 9,818,804.8 | 9,753,923.7 | 2,078,538.2 | 1,658,575.8 | 733,632.4 | 0.0 | 12,616.9 | 0.0 | 0.0 | 41,472,846.9 | | Depósitos a la Vista | 9,730,371.6 | 5,245,251.7 | 6,297,201.3 | 541,271.3 | 960,451.7 | 522,229.4 | 0.0 | 12,183.6 | 0.0 | 0.0 | 23,308,960.8 | | Depósitos de Ahorro | 6,722,164.6 | 4,266,023.2 | 3,152,122.7 | 1,428,077.0 | 262,485.2 | 194,752.6 | 0.0 | 433.2 | 0.0 | 0.0 | 16,026,058.6 | | Depósitos a Plazo | 964,219.0 | 307,529.8 | 304,599.6 | 109,189.9 | 435,638.9 | 16,650.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,137,827.5 | | 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 | | Moneda Extranjera | 29,455,910.6 | 27,820,421.6 | 29,166,702.0 | 9,055,049.1 | 9,012,733.8 | 3,387,940.4 | 0.0 | 153,640.6 | 0.0 | 0.0 | 108,052,398.1 | | Depósitos a la Vista | 6,298,604.1 | 8,093,347.9 | 9,414,535.1 | 709,099.1 | 2,406,794.0 | 1,116,719.4 | 0.0 | 33,872.0 | 0.0 | 0.0 | 28,072,971.6 | | Depósitos de Ahorro | 14,308,017.3 | 13,311,367.7 | 14,458,995.2 | 4,310,181.9 | 1,894,072.0 | 1,282,744.7 | 0.0 | 8,555.8 | 0.0 | 0.0 | 49,573,934.7 | | Depósitos a Plazo | 8,849,289.2 | 6,415,705.9 | 5,293,171.8 | 4,035,768.1 | 4,711,867.8 | 988,476.3 | 0.0 | 111,212.8 | 0.0 | 0.0 | 30,405,491.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 212,456.3 | 131,768.8 | 102,471.3 | 102,707.0 | 69,634.6 | 15,234.3 | 0.0 | 418.6 | 0.0 | 0.0 | 634,690.9 | | Otras Obligaciones Diversas con el Público | 227,354.0 | 407,383.0 | 213,935.5 | 109,884.1 | 48,806.8 | 58,692.9 | 1,858.9 | 0.1 | 4,794.7 | 0.0 | 1,072,710.0 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,535,817.2 | 2,444,001.8 | 1,445,558.9 | 1,156,257.7 | 1,940,415.9 | 374,942.2 | 0.0 | 72,411.8 | 0.0 | 0.0 | 9,969,405.4 | | Obligaciones por Emisión de Deuda | 53,342.3 | 0.0 | 0.0 | 11,400.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 64,742.5 | | Pasivos por Operaciones de Reporto | 0.0 | 605,388.1 | 0.0 | 0.0 | 174,829.6 | 55,267.3 | 0.0 | 0.0 | 0.0 | 0.0 | 835,485.0 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 9,850,583.3 | 8,961,128.0 | 471,613.1 | 2,884,896.1 | 1,258,649.7 | 296,529.9 | 1,386,951.9 | 0.0 | 1,126,103.6 | 1,738,481.3 | 27,974,936.9 | | Obligaciones con el Banco Central de Nicaragua | 555,140.5 | 2,081.1 | 0.0 | 336,814.4 | 328,295.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,222,331.5 | | Arrendamiento Financiero | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | 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 | 112,728.4 | 193,579.6 | 191,144.8 | 83,343.5 | 120,060.6 | 41,291.4 | 83,885.8 | 49.5 | 18,352.3 | 15,573.1 | 860,009.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,049,296.1 | 2,119,684.0 | 0.0 | 228,738.8 | 347,809.3 | 0.0 | 0.0 | 0.0 | 0.0 | 114,758.4 | 3,860,286.6 | | Otros Pasivos y Provisiones | 768,823.0 | 496,683.4 | 627,669.0 | 197,356.8 | 267,560.7 | 105,443.1 | 43,768.8 | 60,225.8 | 50,776.6 | 62,595.7 | 2,680,902.9 | | PATRIMONIO | 10,190,740.9 | 9,794,237.0 | 11,359,369.4 | 1,926,918.2 | 1,916,381.7 | 1,022,344.8 | 5,015,339.0 | 408,717.7 | 300,569.4 | 589,577.2 | 42,524,195.2 | | Fondos Propios | 10,023,291.8 | 9,170,386.9 | 10,950,408.3 | 1,909,023.3 | 1,659,906.2 | 965,216.4 | 4,907,715.3 | 408,717.7 | 257,489.1 | 562,313.4 | 40,814,468.3 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 3,951,682.9 | 512,818.0 | 345,032.0 | 700,710.0 | 18,979,126.3 | | Aportes a Capitalizar | 745,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 815,703.3 | | 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 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,315.9 | 0.0 | 0.0 | 0.0 | 258,315.9 | | Reservas Patrimoniales | 1,821,686.4 | 1,839,138.7 | 1,946,637.4 | 474,978.4 | 363,715.3 | 85,361.3 | 441,584.8 | 0.0 | 0.0 | 8,063.9 | 6,981,166.2 | | Resultados Acumulados | 3,473,569.2 | 2,945,207.9 | 6,069,349.7 | 722,460.9 | 409,270.0 | 37,748.3 | 233,797.0 | -99,818.8 | -88,617.4 | -225,516.8 | 13,477,450.1 | | Resultado del Ejercicio | 54,536.2 | 117,167.6 | 79,421.2 | 13,166.0 | 7,218.4 | 3,715.6 | 22,334.7 | -4,281.5 | 1,074.5 | 8,353.9 | 302,706.6 | | Otro Resultado Integral Neto | 30,964.8 | 149,346.3 | 55,689.3 | 6,003.9 | 47,302.6 | 3,425.4 | 0.0 | 0.0 | 5,734.9 | 208.2 | 298,675.4 | | Ajustes de Transición | 136,484.2 | 474,503.9 | 353,271.8 | 11,891.0 | 209,172.9 | 53,703.1 | 107,623.8 | 0.0 | 37,345.4 | 27,055.6 | 1,411,051.5 | | CUENTAS CONTINGENTES | 20,839,666.7 | 13,747,629.3 | 9,108,782.7 | 993,653.6 | 6,641,133.1 | 616,630.7 | 0.0 | 0.0 | 0.0 | 0.0 | 51,947,496.1 | | CUENTAS DE ORDEN | 98,612,801.8 | 52,553,535.5 | 277,686,648.0 | 48,068,259.4 | 18,720,964.8 | 16,074,053.2 | 8,716,289.7 | 615,485.5 | 2,142,829.1 | 3,501,782.5 | 526,692,649.4 |
| | 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 ENERO DE 2021 C$ 34.8831 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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