| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 87,462,303.0 | 76,897,142.0 | 73,633,100.5 | 20,251,452.2 | 24,727,313.7 | 9,369,023.5 | 7,193,704.3 | 1,803,456.9 | 2,269,954.3 | 3,252,304.4 | 306,859,754.8 | | Efectivo y Equivalentes de Efectivo | 24,886,048.8 | 18,902,924.8 | 16,110,279.9 | 3,991,071.7 | 4,165,757.3 | 1,876,413.8 | 465,405.8 | 572,857.2 | 252,273.9 | 475,726.5 | 71,698,759.8 | | Moneda Nacional | 10,757,468.2 | 4,646,190.1 | 4,839,610.9 | 1,060,777.0 | 740,555.4 | 471,661.1 | 273,450.2 | 109,572.6 | 88,040.6 | 216,020.3 | 23,203,346.3 | | Caja | 2,377,264.3 | 1,517,613.5 | 2,632,249.8 | 276,144.1 | 308,861.1 | 192,017.3 | 7,858.2 | 13,902.2 | 21,386.6 | 103,253.4 | 7,450,550.6 | | Banco Central de Nicaragua | 3,800,551.0 | 2,857,210.0 | 2,019,266.9 | 545,228.7 | 374,530.1 | 161,347.0 | 120.5 | 27,453.6 | 34,005.4 | 0.0 | 9,819,713.2 | | Instituciones Financieras | 247,599.0 | 270,810.5 | 188,094.2 | 189,720.7 | 54,621.0 | 18,264.9 | 165,385.4 | 16,826.0 | 32,648.6 | 112,766.8 | 1,296,737.1 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,340.7 | 0.0 | 0.0 | 4,440.1 | | Equivalentes de Efectivo | 4,332,053.8 | 0.0 | 0.0 | 49,683.5 | 0.0 | 100,031.9 | 100,086.1 | 50,050.0 | 0.0 | 0.0 | 4,631,905.4 | | Moneda Extranjera | 14,128,580.7 | 14,256,734.8 | 11,270,669.0 | 2,930,294.7 | 3,425,201.9 | 1,404,752.7 | 191,955.6 | 463,284.6 | 164,233.3 | 259,706.3 | 48,495,413.4 | | Caja | 1,828,948.0 | 1,288,817.8 | 2,089,252.6 | 195,546.7 | 472,422.3 | 281,944.1 | 2,590.0 | 14,967.0 | 25,072.1 | 72,937.7 | 6,272,498.3 | | Banco Central de Nicaragua | 5,884,091.6 | 5,881,435.3 | 6,875,543.3 | 2,225,038.1 | 2,005,627.8 | 873,913.1 | 6,870.9 | 227,318.0 | 5,502.7 | 0.0 | 23,985,340.9 | | Instituciones Financieras | 6,020,771.6 | 5,944,390.5 | 2,305,873.1 | 290,917.6 | 666,098.4 | 93,790.9 | 182,494.7 | 50,258.2 | 133,658.5 | 186,768.6 | 15,875,022.2 | | Depósitos Restringidos | 394,769.5 | 1,142,091.1 | 0.0 | 36,301.4 | 281,053.4 | 23,652.6 | 0.0 | 42,853.8 | 0.0 | 0.0 | 1,920,721.9 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 182,490.8 | 0.0 | 131,451.8 | 0.0 | 127,887.5 | 0.0 | 0.0 | 441,830.2 | | 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 | 1,164,466.9 | 10,763,166.7 | 14,377,004.2 | 0.0 | 7,778,676.9 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 34,090,314.7 | | Cartera a Costo Amortizado | 57,635,043.2 | 42,196,581.4 | 41,344,924.8 | 15,645,678.7 | 11,172,315.8 | 7,043,976.4 | 6,533,091.1 | 1,163,258.1 | 1,848,493.3 | 2,654,371.2 | 187,237,734.0 | | Inversiones a Costo Amortizado, Neto | 7,628,026.6 | 12,885,048.7 | 0.0 | 1,938,247.4 | 0.0 | 458,418.0 | 1,624,060.4 | 54,509.5 | 383.3 | 109,663.1 | 24,698,357.1 | | Cartera de Créditos, Neta | 50,007,016.5 | 29,311,532.7 | 41,344,924.8 | 13,707,431.3 | 11,172,315.8 | 6,585,558.3 | 4,909,030.7 | 1,108,748.6 | 1,848,110.0 | 2,544,708.1 | 162,539,377.0 | | Vigentes | 48,072,180.6 | 28,284,300.2 | 41,308,072.5 | 13,042,437.5 | 10,837,972.2 | 6,511,146.0 | 4,944,141.4 | 1,118,249.3 | 1,849,157.9 | 2,481,956.9 | 158,449,614.7 | | Prorrogados | 35,368.3 | 730.9 | 12,090.4 | 0.0 | 0.0 | 342.2 | 0.0 | 0.0 | 0.0 | 0.0 | 48,531.9 | | Reestructurados | 2,492,262.1 | 1,396,953.9 | 3,123,267.8 | 708,775.5 | 428,585.3 | 245,966.1 | 8,535.3 | 0.0 | 29,494.0 | 6,128.4 | 8,439,968.5 | | Vencidos | 318,880.4 | 228,026.1 | 141,233.4 | 99,051.9 | 86,147.0 | 42,218.3 | 2,173.4 | 0.0 | 28,087.6 | 37,296.4 | 983,114.4 | | Cobro Judicial | 213,822.9 | 299,816.6 | 463,361.0 | 82,905.8 | 17,781.4 | 9,894.0 | 23,348.5 | 0.0 | 0.0 | 2,012.3 | 1,112,942.5 | | Diferimiento de comisiones y otros | -98,356.6 | -151,007.8 | -197,128.7 | -36,968.9 | -17,204.2 | -29,545.0 | -2,641.6 | -4,129.2 | -3,745.6 | -10,322.2 | -551,049.7 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 601,785.4 | 338,824.8 | 398,876.8 | 178,193.5 | 133,520.8 | 94,921.7 | 91,205.2 | 5,579.3 | 37,530.7 | 107,386.8 | 1,987,824.8 | | (-) Provisión de Cartera de Créditos | -1,628,926.7 | -1,086,112.0 | -3,904,848.3 | -366,964.0 | -314,486.7 | -289,385.1 | -157,731.5 | -10,950.9 | -92,414.5 | -79,750.6 | -7,931,570.2 | | Cuentas por Cobrar, Neto | 571,691.3 | 883,034.2 | 465,763.9 | 49,463.7 | 82,458.5 | 99,271.5 | 6,928.3 | 1,777.0 | 16,275.7 | 19,947.6 | 2,196,611.6 | | 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 | 117,641.9 | 616,524.7 | 3,980.3 | 38,881.3 | 2,523.7 | 1,031.9 | 0.0 | 0.0 | 0.0 | 3,316.1 | 783,899.9 | | Participaciones | 348,268.2 | 2,155,413.3 | 103,631.9 | 41,383.1 | 707,254.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,355,951.3 | | Activo Material | 2,007,921.5 | 822,811.8 | 1,147,212.5 | 263,775.4 | 434,039.4 | 270,270.1 | 168,996.5 | 14,005.3 | 95,729.5 | 64,076.6 | 5,288,838.5 | | Activos Intangibles | 303,851.9 | 125,255.7 | 1,069.6 | 52,612.2 | 175,143.1 | 42,001.2 | 6,246.1 | 31,311.8 | 23,921.2 | 7,067.5 | 768,480.3 | | Activos Fiscales | 3,814.7 | 105,723.4 | 0.0 | 54,727.9 | 77,587.7 | 4,433.5 | 6,219.0 | 331.5 | 11,420.3 | 14,274.4 | 278,532.4 | | Otros Activos | 423,554.6 | 325,705.9 | 79,233.5 | 113,858.2 | 131,556.4 | 24,875.3 | 6,567.4 | 19,915.9 | 21,840.4 | 13,524.5 | 1,160,632.2 | | Pasivo | 74,275,676.3 | 65,111,576.7 | 59,380,491.0 | 18,053,695.3 | 21,939,556.1 | 7,969,708.6 | 1,419,206.7 | 1,190,407.6 | 1,851,463.5 | 2,495,540.0 | 253,687,321.8 | | Pasivos Financieros a Costo Amortizado | 72,895,608.7 | 61,871,424.0 | 57,993,521.3 | 17,423,075.9 | 20,876,833.9 | 7,789,821.0 | 1,317,605.5 | 1,127,554.5 | 1,746,821.0 | 2,238,558.1 | 245,280,823.9 | | Obligaciones con el Público | 63,033,607.0 | 55,587,052.9 | 56,008,265.7 | 13,828,717.2 | 15,306,594.7 | 6,285,453.5 | 0.0 | 481,854.2 | 0.0 | 0.0 | 210,531,545.2 | | Moneda Nacional | 25,596,787.9 | 17,221,891.8 | 14,996,624.5 | 2,774,474.7 | 2,284,934.6 | 800,957.0 | 0.0 | 32,937.8 | 0.0 | 0.0 | 63,708,608.4 | | Depósitos a la Vista | 15,246,333.1 | 9,923,159.6 | 9,666,067.0 | 781,709.6 | 1,471,080.5 | 496,953.5 | 0.0 | 24,771.7 | 0.0 | 0.0 | 37,610,075.0 | | Depósitos de Ahorro | 9,002,591.2 | 6,809,060.0 | 4,915,593.5 | 1,896,266.4 | 409,375.4 | 271,842.8 | 0.0 | 2,339.6 | 0.0 | 0.0 | 23,307,068.9 | | Depósitos a Plazo | 1,347,863.6 | 489,672.2 | 414,964.0 | 96,498.7 | 404,478.7 | 32,160.7 | 0.0 | 5,826.5 | 0.0 | 0.0 | 2,791,464.5 | | 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 | 37,236,198.1 | 38,225,867.5 | 40,903,856.5 | 10,943,745.6 | 12,890,094.6 | 5,453,787.1 | 0.0 | 447,042.3 | 0.0 | 0.0 | 146,100,591.7 | | Depósitos a la Vista | 10,545,581.8 | 10,574,987.1 | 15,090,871.0 | 1,003,606.8 | 3,742,202.4 | 1,453,831.8 | 0.0 | 65,803.0 | 0.0 | 0.0 | 42,476,883.8 | | Depósitos de Ahorro | 18,360,175.3 | 20,757,822.0 | 19,373,701.3 | 4,761,568.4 | 3,101,356.9 | 1,910,692.3 | 0.0 | 31,250.5 | 0.0 | 0.0 | 68,296,566.8 | | Depósitos a Plazo | 8,330,441.0 | 6,893,058.4 | 6,439,284.2 | 5,178,570.5 | 6,046,535.3 | 2,089,262.9 | 0.0 | 349,988.7 | 0.0 | 0.0 | 35,327,141.1 | | 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 | 200,621.0 | 139,293.6 | 107,784.7 | 110,496.9 | 131,565.4 | 30,709.4 | 0.0 | 1,874.1 | 0.0 | 0.0 | 722,345.1 | | Otras Obligaciones Diversas con el Público | 723,713.8 | 1,017,378.6 | 579,534.9 | 121,020.9 | 57,362.9 | 119,270.4 | 2,821.9 | 1,591.6 | 0.0 | 0.0 | 2,622,694.9 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,582,403.3 | 1,335,688.7 | 1,123,745.2 | 1,179,663.3 | 2,569,255.2 | 792,405.4 | 0.0 | 644,108.7 | 0.0 | 0.0 | 9,227,269.8 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 21,510.4 | 0.0 | 0.0 | 0.0 | 0.0 | 20,407.1 | 0.0 | 41,917.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,134,545.0 | 40,278.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,174,823.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,052,971.3 | 3,930,681.5 | 68,041.6 | 2,060,947.3 | 1,477,130.1 | 423,987.1 | 1,314,783.6 | 0.0 | 1,726,413.9 | 2,238,558.1 | 20,293,514.6 | | Obligaciones con el Banco Central de Nicaragua | 502,913.4 | 622.3 | 213,933.8 | 211,216.7 | 331,946.1 | 128,426.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,389,058.4 | | 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 | 137,303.0 | 416,133.7 | 188,173.7 | 22,039.1 | 77,132.5 | 54,120.0 | 28,682.3 | 216.2 | 21,367.0 | 17,457.7 | 962,625.2 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,110,143.1 | 0.0 | 363,870.1 | 364,417.5 | 0.0 | 0.0 | 0.0 | 0.0 | 117,842.4 | 2,956,273.2 | | Otros Pasivos y Provisiones | 1,242,764.6 | 713,876.0 | 1,198,796.0 | 244,710.2 | 621,172.1 | 125,767.6 | 72,918.9 | 62,637.0 | 83,275.5 | 121,681.7 | 4,487,599.5 | | PATRIMONIO | 13,186,626.7 | 11,785,565.3 | 14,252,609.5 | 2,197,756.9 | 2,787,757.7 | 1,399,314.9 | 5,774,497.6 | 613,049.3 | 418,490.8 | 756,764.4 | 53,172,433.0 | | Fondos Propios | 13,224,992.3 | 11,693,140.0 | 13,897,639.6 | 2,186,929.3 | 2,611,625.6 | 1,343,636.2 | 5,691,498.6 | 613,049.3 | 371,700.0 | 726,939.4 | 52,361,150.1 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 3,401,481.5 | 982,108.4 | 1,277,202.5 | 838,390.9 | 4,678,769.6 | 853,832.0 | 345,032.0 | 700,710.0 | 21,274,898.9 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.4 | 0.0 | 70,702.4 | 915,703.8 | | 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 | | 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 | 2,190,892.8 | 2,307,377.0 | 2,352,804.2 | 504,537.6 | 449,455.7 | 121,553.5 | 560,623.0 | 0.0 | 11,302.0 | 28,894.9 | 8,527,440.7 | | Resultados Acumulados | 5,028,758.0 | 3,843,205.6 | 6,434,811.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,491.1 | -26,378.5 | -119,140.2 | 16,304,494.0 | | Resultado del Ejercicio | 1,231,841.5 | 1,273,684.8 | 1,708,542.3 | 154,677.1 | 328,032.1 | 138,504.2 | 193,687.9 | -36,292.0 | 41,744.6 | 45,772.2 | 5,080,194.7 | | Otro Resultado Integral Neto | -165,680.2 | -382,078.5 | 1,698.2 | -237.8 | -33,040.8 | 1,975.7 | 14,123.6 | 0.0 | 6,822.0 | 2,769.4 | -553,648.4 | | Ajustes de Transición | 127,314.6 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,968.7 | 27,055.6 | 1,364,931.3 | | CUENTAS CONTINGENTES | 19,285,660.9 | 18,377,351.7 | 13,307,433.2 | 1,287,967.0 | 11,881,579.1 | 1,435,149.8 | 0.0 | 54,214.4 | 0.0 | 0.0 | 65,629,356.1 | | CUENTAS DE ORDEN | 124,037,286.8 | 51,871,032.6 | 395,255,610.1 | 48,485,615.4 | 24,591,781.6 | 21,761,734.1 | 12,475,207.1 | 2,539,260.9 | 2,485,394.4 | 4,376,407.4 | 687,879,330.4 |
| | 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 30 DE SEPTIEMBRE DE 2023 C$ 36.5326 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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