| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 75,206,191.7 | 63,260,272.6 | 55,417,400.6 | 18,205,857.6 | 17,893,521.2 | 6,163,476.6 | 6,607,854.9 | 836,569.8 | 1,635,610.8 | 2,752,576.8 | 247,979,332.5 | | Efectivo y Equivalentes de Efectivo | 22,901,803.7 | 17,266,712.8 | 17,725,431.7 | 4,637,286.9 | 3,954,145.0 | 1,382,549.8 | 358,588.9 | 227,093.4 | 236,582.4 | 636,028.3 | 69,326,223.0 | | Moneda Nacional | 5,861,836.7 | 3,636,069.3 | 3,773,591.5 | 971,455.5 | 670,653.3 | 337,436.0 | 28,280.5 | 28,536.4 | 49,296.4 | 173,281.1 | 15,530,436.7 | | Caja | 1,588,396.4 | 1,060,982.9 | 1,953,592.1 | 162,162.8 | 200,812.3 | 146,337.4 | 211.3 | 14,836.1 | 19,608.8 | 70,630.7 | 5,217,570.9 | | Banco Central de Nicaragua | 2,844,961.0 | 1,841,646.7 | 1,610,123.7 | 764,544.3 | 441,628.2 | 115,853.4 | 139.9 | 13,420.9 | 10.0 | 0.0 | 7,632,328.1 | | Instituciones Financieras | 128,404.3 | 183,203.0 | 209,875.6 | 44,748.4 | 27,525.2 | 75,245.2 | 27,929.3 | 279.4 | 29,677.6 | 102,650.4 | 829,538.3 | | 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 | 1,300,075.0 | 550,236.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,850,311.7 | | Moneda Extranjera | 17,039,967.0 | 13,630,643.5 | 13,951,840.3 | 3,665,831.4 | 3,283,491.6 | 1,045,113.8 | 330,308.4 | 198,557.1 | 187,286.1 | 462,747.3 | 53,795,786.3 | | Caja | 982,661.1 | 594,877.6 | 1,820,156.9 | 217,882.7 | 420,593.7 | 237,016.8 | 707.6 | 24,847.0 | 18,276.7 | 34,143.3 | 4,351,163.3 | | Banco Central de Nicaragua | 4,724,820.1 | 4,429,370.3 | 6,041,379.1 | 2,710,898.4 | 2,307,650.1 | 556,637.4 | 6,918.1 | 97,718.9 | 141.1 | 0.0 | 20,875,533.6 | | Instituciones Financieras | 6,451,087.5 | 1,379,509.9 | 3,281,245.0 | 703,807.2 | 452,028.4 | 230,227.9 | 322,682.7 | 23,330.3 | 168,868.3 | 428,604.0 | 13,441,391.3 | | Depósitos Restringidos | 500,303.7 | 766,139.0 | 0.0 | 33,243.1 | 103,219.4 | 3,695.3 | 0.0 | 0.0 | 0.0 | 0.0 | 1,406,600.5 | | Equivalentes de Efectivo | 4,381,094.5 | 6,460,746.7 | 2,809,059.3 | 0.0 | 0.0 | 17,536.3 | 0.0 | 52,660.8 | 0.0 | 0.0 | 13,721,097.7 | | 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 | 2,009,017.2 | 14,981,205.2 | 9,584,342.7 | 480,704.2 | 5,885,176.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 32,947,446.1 | | Cartera a Costo Amortizado | 47,237,165.3 | 26,742,262.3 | 26,699,961.1 | 12,283,514.6 | 7,226,523.2 | 4,375,662.4 | 6,065,476.2 | 528,975.2 | 1,230,360.0 | 2,026,039.8 | 134,415,940.0 | | Inversiones a Costo Amortizado, Neto | 8,026,202.3 | 4,673,370.1 | 0.0 | 675,606.9 | 0.0 | 105,251.5 | 3,047,465.2 | 70,226.5 | 362.7 | 105,868.6 | 16,704,353.8 | | Cartera de Créditos, Neta | 39,210,963.0 | 22,068,892.2 | 26,699,961.1 | 11,607,907.7 | 7,226,523.2 | 4,270,411.0 | 3,018,011.0 | 458,748.7 | 1,229,997.2 | 1,920,171.2 | 117,711,586.2 | | Vigentes | 36,835,758.2 | 18,372,701.9 | 22,083,625.7 | 10,299,181.7 | 6,348,760.8 | 4,004,198.0 | 3,031,937.4 | 463,410.0 | 1,194,202.7 | 1,835,268.3 | 104,469,044.7 | | Prorrogados | 16,340.1 | 5,918.0 | 985,051.2 | 2,942.0 | 0.0 | 1,755.5 | 0.0 | 0.0 | 0.0 | 546.8 | 1,012,553.7 | | Reestructurados | 2,552,352.2 | 3,815,171.7 | 5,366,193.7 | 1,275,870.7 | 835,322.5 | 441,727.3 | 52,707.1 | 0.0 | 79,257.4 | 72,553.1 | 14,491,155.7 | | Vencidos | 287,206.3 | 620,820.3 | 294,611.8 | 223,180.0 | 303,477.6 | 29,561.9 | 144.2 | 0.0 | 35,546.4 | 81,014.3 | 1,875,562.8 | | Cobro Judicial | 819,215.0 | 654,143.8 | 572,172.6 | 229,494.4 | 11,508.9 | 20,312.2 | 38,796.7 | 0.0 | 0.0 | 5,137.2 | 2,350,781.0 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -70,693.7 | -84,676.8 | -118,227.0 | -9,860.2 | -7,289.9 | -17,450.6 | -2,022.0 | -2,192.4 | -2,845.8 | 0.0 | -315,258.3 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 569,697.1 | 342,058.7 | 282,854.1 | 144,989.2 | 116,110.3 | 65,766.2 | 55,009.4 | 2,031.2 | 24,699.6 | 74,539.1 | 1,677,755.0 | | (-) Provisión de Cartera de Créditos | -1,798,912.3 | -1,657,245.4 | -2,766,321.0 | -557,890.2 | -381,367.1 | -275,459.6 | -158,561.9 | -4,500.1 | -100,863.1 | -148,887.6 | -7,850,008.3 | | Cuentas por Cobrar, Neto | 360,316.3 | 569,771.5 | 121,419.0 | 66,142.0 | 36,590.5 | 54,633.6 | 10,864.7 | 1,875.8 | 21,833.6 | 8,216.2 | 1,251,663.2 | | 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 | 258,272.8 | 283,251.8 | 30,055.6 | 63,978.1 | 11,084.9 | 11,764.1 | 0.0 | 0.0 | 3,724.8 | 3,768.2 | 665,900.3 | | Participaciones | 278,837.4 | 2,146,745.8 | 79,107.9 | 35,037.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,539,728.1 | | Activo Material | 1,468,710.8 | 784,080.0 | 1,132,102.5 | 295,785.9 | 400,968.3 | 266,682.9 | 158,811.5 | 24,082.5 | 92,794.4 | 42,596.6 | 4,666,615.4 | | Activos Intangibles | 318,397.6 | 125,344.8 | 4,374.2 | 25,051.5 | 179,354.4 | 45,511.5 | 5,559.4 | 32,703.2 | 26,912.8 | 14,161.9 | 777,371.5 | | Activos Fiscales | 6,915.1 | 173,939.2 | 0.0 | 209,338.4 | 132,314.1 | 1,160.3 | 679.0 | 2.7 | 12,320.0 | 14,268.4 | 550,937.2 | | Otros Activos | 366,755.5 | 186,959.2 | 40,605.7 | 109,019.0 | 67,364.1 | 18,761.9 | 7,625.2 | 21,837.0 | 11,082.8 | 7,497.4 | 837,507.7 | | Pasivo | 64,720,071.5 | 53,148,237.1 | 43,721,891.1 | 16,212,056.7 | 15,775,458.5 | 5,114,451.6 | 1,508,457.6 | 448,093.4 | 1,328,346.1 | 2,153,637.2 | 204,130,700.8 | | Pasivos Financieros a Costo Amortizado | 62,711,127.2 | 50,126,209.6 | 42,773,034.8 | 15,772,572.9 | 15,053,604.8 | 4,957,201.4 | 1,396,690.4 | 392,457.2 | 1,249,903.7 | 1,950,021.2 | 196,382,823.3 | | Obligaciones con el Público | 50,128,572.9 | 40,653,924.1 | 40,513,360.3 | 11,767,140.7 | 10,885,114.8 | 3,949,689.5 | 0.0 | 315,759.6 | 0.0 | 0.0 | 158,213,561.8 | | Moneda Nacional | 19,134,046.6 | 11,237,485.6 | 9,806,306.6 | 2,397,317.3 | 1,410,694.4 | 653,706.4 | 0.0 | 13,254.7 | 0.0 | 0.0 | 44,652,811.7 | | Depósitos a la Vista | 10,063,567.3 | 6,295,484.9 | 6,380,857.3 | 513,351.2 | 914,345.8 | 453,605.7 | 0.0 | 12,830.9 | 0.0 | 0.0 | 24,634,043.2 | | Depósitos de Ahorro | 7,199,341.7 | 4,611,703.1 | 3,075,801.9 | 1,782,600.4 | 235,576.6 | 183,903.7 | 0.0 | 423.7 | 0.0 | 0.0 | 17,089,351.1 | | Depósitos a Plazo | 1,871,137.6 | 330,297.6 | 349,647.4 | 101,365.8 | 260,772.0 | 16,197.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,929,417.4 | | 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 | | Moneda Extranjera | 30,792,925.2 | 29,292,593.8 | 30,613,388.1 | 9,281,025.1 | 9,396,404.5 | 3,280,458.2 | 0.0 | 301,493.0 | 0.0 | 0.0 | 112,958,288.0 | | Depósitos a la Vista | 7,453,881.9 | 8,895,505.2 | 9,726,705.6 | 708,029.2 | 2,456,495.5 | 818,336.8 | 0.0 | 47,979.4 | 0.0 | 0.0 | 30,106,933.6 | | Depósitos de Ahorro | 14,268,414.8 | 14,296,379.0 | 15,596,937.3 | 4,436,282.6 | 2,054,414.8 | 1,372,092.4 | 0.0 | 10,108.2 | 0.0 | 0.0 | 52,034,629.0 | | Depósitos a Plazo | 9,070,628.5 | 6,100,709.7 | 5,289,745.3 | 4,136,713.3 | 4,885,494.2 | 1,090,029.0 | 0.0 | 243,405.4 | 0.0 | 0.0 | 30,816,725.4 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 201,601.1 | 123,844.7 | 93,665.5 | 88,798.3 | 78,015.8 | 15,524.8 | 0.0 | 1,011.9 | 0.0 | 0.0 | 602,462.1 | | Otras Obligaciones Diversas con el Público | 278,253.4 | 297,471.3 | 311,981.9 | 104,792.2 | 55,622.5 | 64,530.9 | 3,018.5 | 6.1 | 4,843.7 | 0.0 | 1,120,520.4 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,420,525.3 | 1,793,548.2 | 1,517,689.7 | 1,066,852.0 | 1,843,678.1 | 403,355.4 | 0.0 | 76,691.5 | 0.0 | 0.0 | 9,122,340.4 | | Obligaciones por Emisión de Deuda | 52,922.4 | 0.0 | 0.0 | 12,048.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 64,971.0 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 529,660.5 | 84,070.0 | 0.0 | 0.0 | 0.0 | 0.0 | 613,730.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 9,258,611.4 | 7,379,166.4 | 430,002.9 | 2,489,186.8 | 1,314,215.8 | 438,510.8 | 1,393,671.9 | 0.0 | 1,245,060.0 | 1,950,021.2 | 25,898,447.4 | | Obligaciones con el Banco Central de Nicaragua | 572,241.8 | 2,099.5 | 0.0 | 332,552.6 | 425,313.1 | 17,044.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,349,251.8 | | 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 | 129,222.0 | 327,777.1 | 174,616.1 | 91,054.8 | 121,543.3 | 44,361.6 | 38,722.1 | 49.8 | 18,583.6 | 15,381.5 | 961,311.9 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,089,335.6 | 2,182,295.0 | 0.0 | 151,544.4 | 359,287.7 | 0.0 | 0.0 | 0.0 | 0.0 | 114,228.5 | 3,896,691.1 | | Otros Pasivos y Provisiones | 790,386.7 | 511,955.5 | 774,240.2 | 196,884.6 | 241,022.6 | 112,888.6 | 73,045.1 | 55,586.3 | 59,858.8 | 74,006.0 | 2,889,874.4 | | PATRIMONIO | 10,486,120.3 | 10,112,035.5 | 11,695,509.5 | 1,993,800.9 | 2,118,062.7 | 1,049,024.9 | 5,099,397.3 | 388,476.4 | 307,264.7 | 598,939.6 | 43,848,631.8 | | Fondos Propios | 10,347,520.4 | 9,531,748.7 | 11,304,451.8 | 1,975,170.9 | 1,733,196.0 | 991,333.9 | 5,020,520.2 | 388,476.4 | 264,220.0 | 570,883.1 | 42,127,521.5 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 698,418.0 | 879,702.5 | 838,390.9 | 4,178,755.7 | 512,818.0 | 345,032.0 | 700,710.0 | 19,206,199.1 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 915,703.3 | | 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 | 258,418.0 | 0.0 | 0.0 | 0.0 | 258,418.0 | | Reservas Patrimoniales | 1,821,686.4 | 1,839,138.7 | 1,946,637.4 | 474,978.4 | 365,844.9 | 85,361.3 | 480,966.3 | 0.0 | 0.0 | 9,694.9 | 7,024,308.3 | | Resultados Acumulados | 3,374,196.5 | 2,945,207.9 | 6,069,349.7 | 722,460.9 | 407,140.5 | 37,748.3 | 0.0 | -99,818.8 | -88,683.8 | -227,940.5 | 13,139,660.8 | | Resultado del Ejercicio | 378,137.5 | 478,529.5 | 433,464.7 | 79,313.6 | 80,508.2 | 29,833.0 | 102,380.2 | -24,522.7 | 7,871.8 | 17,716.3 | 1,583,232.0 | | Otro Resultado Integral Neto | 2,763.8 | 105,782.9 | 37,785.9 | 6,738.9 | 175,693.9 | 3,988.0 | 13,828.8 | 0.0 | 5,734.9 | 1,000.9 | 353,318.0 | | Ajustes de Transición | 135,836.0 | 474,503.9 | 353,271.8 | 11,891.0 | 209,172.9 | 53,703.1 | 65,048.3 | 0.0 | 37,309.8 | 27,055.6 | 1,367,792.2 | | CUENTAS CONTINGENTES | 22,167,294.9 | 14,423,595.6 | 9,543,134.5 | 1,044,139.1 | 6,805,108.4 | 706,418.9 | 0.0 | 0.0 | 0.0 | 0.0 | 54,689,691.5 | | CUENTAS DE ORDEN | 101,298,577.6 | 49,826,743.9 | 280,538,740.8 | 47,201,934.9 | 19,211,277.2 | 16,517,113.3 | 8,989,372.0 | 866,736.4 | 2,142,996.2 | 3,507,877.6 | 530,101,369.9 |
| | 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 MAYO DE 2021 C$ 35.1109 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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