| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 88,348,279.0 | 75,929,764.5 | 74,339,072.6 | 20,364,386.3 | 25,321,655.2 | 9,656,410.4 | 7,200,746.1 | 1,789,873.2 | 2,334,044.3 | 3,234,832.2 | 308,519,063.8 | | Efectivo y Equivalentes de Efectivo | 25,251,100.2 | 17,670,866.0 | 18,632,136.5 | 3,898,658.7 | 4,629,023.3 | 2,101,232.6 | 586,545.6 | 525,331.9 | 272,518.0 | 380,554.5 | 73,947,967.3 | | Moneda Nacional | 10,208,932.2 | 4,480,069.1 | 6,022,044.1 | 1,174,175.4 | 544,654.1 | 540,793.1 | 64,060.7 | 100,590.5 | 63,940.8 | 198,035.8 | 23,397,295.9 | | Caja | 2,290,114.3 | 1,691,159.8 | 2,661,143.5 | 231,991.3 | 193,718.2 | 196,145.4 | 9,403.8 | 16,327.2 | 20,146.7 | 114,988.9 | 7,425,139.2 | | Banco Central de Nicaragua | 3,494,198.3 | 2,538,307.3 | 2,398,542.6 | 708,228.7 | 317,520.0 | 138,176.3 | 1,001.8 | 16,739.0 | 5.3 | 0.0 | 9,612,719.2 | | Instituciones Financieras | 188,750.2 | 250,046.0 | 162,230.2 | 104,052.3 | 30,872.7 | 6,439.4 | 53,655.1 | 5,013.0 | 43,788.8 | 83,046.9 | 927,894.6 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,738.2 | 0.0 | 0.0 | 5,837.5 | | Equivalentes de Efectivo | 4,235,869.4 | 0.0 | 800,127.8 | 129,903.2 | 0.0 | 200,031.9 | 0.0 | 59,773.1 | 0.0 | 0.0 | 5,425,705.4 | | Moneda Extranjera | 15,042,168.0 | 13,190,796.9 | 12,610,092.4 | 2,724,483.3 | 4,084,369.2 | 1,560,439.5 | 522,485.0 | 424,741.4 | 208,577.2 | 182,518.6 | 50,550,671.5 | | Caja | 1,916,896.8 | 1,162,170.4 | 2,880,316.0 | 185,379.8 | 548,975.0 | 352,825.0 | 2,961.4 | 12,987.1 | 24,655.3 | 79,425.0 | 7,166,591.9 | | Banco Central de Nicaragua | 5,737,241.7 | 5,903,065.5 | 5,702,161.1 | 1,892,007.2 | 2,260,258.5 | 928,475.3 | 2,984.1 | 172,704.6 | 3,386.7 | 0.0 | 22,602,284.7 | | Instituciones Financieras | 6,257,038.1 | 4,077,692.0 | 1,979,575.3 | 464,440.3 | 966,026.1 | 86,961.0 | 516,539.5 | 67,670.6 | 180,535.2 | 103,093.7 | 14,699,571.7 | | Depósitos Restringidos | 396,539.5 | 1,096,193.8 | 219,697.4 | 36,490.5 | 309,109.6 | 23,775.8 | 0.0 | 43,395.2 | 0.0 | 0.0 | 2,125,201.7 | | Equivalentes de Efectivo | 734,451.9 | 951,675.3 | 1,828,342.6 | 146,165.4 | 0.0 | 168,402.3 | 0.0 | 127,984.0 | 0.0 | 0.0 | 3,957,021.5 | | 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 | 1,157,933.0 | 10,403,678.7 | 12,821,561.8 | 0.0 | 7,821,910.9 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 32,212,084.4 | | Cartera a Costo Amortizado | 58,421,836.5 | 42,827,899.3 | 41,281,863.6 | 15,818,430.7 | 11,278,913.3 | 7,123,708.0 | 6,416,102.1 | 1,213,178.8 | 1,895,896.8 | 2,731,986.9 | 189,009,815.9 | | Inversiones a Costo Amortizado, Neto | 7,657,925.7 | 13,012,387.2 | 0.0 | 1,985,735.8 | 0.0 | 462,955.0 | 1,645,846.2 | 54,937.1 | 366.1 | 110,221.9 | 24,930,375.1 | | Cartera de Créditos, Neta | 50,763,910.8 | 29,815,512.0 | 41,281,863.6 | 13,832,695.0 | 11,278,913.3 | 6,660,752.9 | 4,770,255.9 | 1,158,241.7 | 1,895,530.7 | 2,621,765.0 | 164,079,440.8 | | Vigentes | 48,810,105.9 | 28,826,590.5 | 41,311,724.0 | 13,184,113.6 | 10,949,956.0 | 6,588,951.8 | 4,439,668.9 | 1,167,466.5 | 1,894,915.5 | 2,552,240.6 | 159,725,733.3 | | Prorrogados | 29,593.3 | 874.4 | 11,415.1 | 0.0 | 0.0 | 0.0 | 365,635.0 | 0.0 | 0.0 | 0.0 | 407,517.9 | | Reestructurados | 2,489,255.9 | 1,354,477.9 | 3,070,556.8 | 689,825.8 | 425,452.5 | 236,881.6 | 8,102.8 | 0.0 | 28,591.8 | 5,777.9 | 8,308,923.1 | | Vencidos | 333,071.1 | 163,643.2 | 172,409.5 | 102,523.3 | 91,784.5 | 39,990.8 | 920.7 | 0.0 | 28,480.4 | 36,967.3 | 969,790.8 | | Cobro Judicial | 206,997.4 | 344,519.2 | 462,927.8 | 79,708.2 | 10,923.4 | 10,932.4 | 22,577.7 | 0.0 | 0.0 | 2,014.0 | 1,140,600.1 | | Diferimiento de comisiones y otros | -98,324.2 | -152,930.9 | -195,205.6 | -37,537.0 | -19,089.4 | -29,424.9 | -2,493.9 | -4,135.1 | -3,822.6 | -11,775.5 | -554,739.1 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 641,460.9 | 351,792.0 | 404,809.9 | 181,130.6 | 139,785.3 | 103,965.0 | 105,024.4 | 6,370.3 | 40,396.6 | 116,859.5 | 2,091,594.5 | | (-) Provisión de Cartera de Créditos | -1,648,249.6 | -1,073,454.3 | -3,956,774.1 | -367,069.5 | -319,898.9 | -290,543.7 | -169,179.8 | -11,460.0 | -93,031.0 | -80,318.9 | -8,009,979.8 | | Cuentas por Cobrar, Neto | 340,455.3 | 632,839.1 | 253,664.0 | 49,958.5 | 59,040.7 | 81,844.2 | 7,276.6 | 1,828.9 | 15,800.6 | 18,860.0 | 1,461,568.0 | | 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 | 123,062.2 | 793,717.2 | 3,980.3 | 35,990.0 | 4,312.0 | 1,244.7 | 0.0 | 0.0 | 0.0 | 3,316.1 | 965,622.5 | | Participaciones | 348,268.2 | 2,162,976.1 | 103,947.5 | 41,344.5 | 709,442.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,365,979.1 | | Activo Material | 2,029,245.3 | 847,713.4 | 1,146,404.8 | 258,979.7 | 434,039.9 | 272,830.7 | 169,305.1 | 13,589.5 | 95,843.7 | 63,571.5 | 5,331,523.6 | | Activos Intangibles | 294,167.9 | 120,941.6 | 1,038.1 | 52,814.2 | 173,526.0 | 42,695.7 | 8,736.0 | 30,551.1 | 23,809.8 | 8,756.9 | 757,037.4 | | Activos Fiscales | 2,543.1 | 137,550.2 | 0.0 | 52,691.3 | 79,275.8 | 4,426.7 | 5,830.4 | 115.3 | 11,280.2 | 14,292.0 | 308,005.1 | | Otros Activos | 379,667.1 | 331,582.9 | 94,476.0 | 155,518.7 | 132,170.4 | 21,677.8 | 6,700.2 | 5,277.7 | 18,895.3 | 13,494.3 | 1,159,460.4 | | Pasivo | 75,021,246.7 | 64,077,265.8 | 59,911,975.9 | 18,147,832.5 | 22,497,821.4 | 8,240,430.5 | 1,409,748.9 | 1,182,233.3 | 1,910,791.9 | 2,467,529.8 | 254,866,876.8 | | Pasivos Financieros a Costo Amortizado | 73,770,127.7 | 60,751,132.9 | 58,526,816.1 | 17,502,214.8 | 21,455,439.9 | 8,077,366.2 | 1,319,441.5 | 1,137,310.1 | 1,805,687.8 | 2,212,691.2 | 246,558,228.2 | | Obligaciones con el Público | 63,490,195.6 | 55,574,253.3 | 56,498,232.3 | 13,858,948.1 | 16,050,799.5 | 6,414,581.7 | 0.0 | 500,769.4 | 0.0 | 0.0 | 212,387,779.8 | | Moneda Nacional | 24,135,002.5 | 16,444,346.6 | 15,177,341.3 | 2,818,438.1 | 2,457,709.9 | 840,067.9 | 0.0 | 31,369.5 | 0.0 | 0.0 | 61,904,275.8 | | Depósitos a la Vista | 13,636,512.3 | 9,028,493.4 | 9,978,894.9 | 851,400.4 | 1,501,260.2 | 533,688.1 | 0.0 | 22,936.9 | 0.0 | 0.0 | 35,553,186.1 | | Depósitos de Ahorro | 9,163,564.9 | 6,934,078.1 | 4,778,144.0 | 1,867,941.0 | 514,461.8 | 274,574.0 | 0.0 | 2,606.2 | 0.0 | 0.0 | 23,535,369.9 | | Depósitos a Plazo | 1,334,925.3 | 481,775.2 | 420,302.4 | 99,096.8 | 441,987.9 | 31,805.8 | 0.0 | 5,826.5 | 0.0 | 0.0 | 2,815,719.8 | | 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 | | Moneda Extranjera | 39,145,808.9 | 38,982,580.1 | 41,207,128.6 | 10,924,591.1 | 13,449,382.3 | 5,544,049.5 | 0.0 | 467,370.0 | 0.0 | 0.0 | 149,720,910.4 | | Depósitos a la Vista | 11,992,643.0 | 10,854,879.5 | 15,066,678.7 | 947,452.1 | 4,068,565.0 | 1,504,693.7 | 0.0 | 88,196.6 | 0.0 | 0.0 | 44,523,108.5 | | Depósitos de Ahorro | 18,602,724.6 | 21,119,619.2 | 19,478,573.9 | 4,810,936.8 | 3,080,464.8 | 1,902,529.5 | 0.0 | 34,455.3 | 0.0 | 0.0 | 69,029,304.1 | | Depósitos a Plazo | 8,550,441.2 | 7,008,081.4 | 6,661,876.0 | 5,166,202.2 | 6,300,352.6 | 2,136,826.4 | 0.0 | 344,718.1 | 0.0 | 0.0 | 36,168,497.7 | | 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 | 209,384.3 | 147,326.5 | 113,762.5 | 115,918.9 | 143,707.3 | 30,464.3 | 0.0 | 2,029.9 | 0.0 | 0.0 | 762,593.6 | | Otras Obligaciones Diversas con el Público | 771,198.8 | 603,234.9 | 629,572.9 | 105,094.1 | 54,281.6 | 74,380.3 | 1,303.0 | 6.1 | 0.0 | 0.0 | 2,239,071.6 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,777,368.0 | 1,117,655.5 | 1,143,583.1 | 1,092,618.8 | 2,333,898.5 | 1,037,881.6 | 0.0 | 636,534.7 | 0.0 | 0.0 | 9,139,540.1 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 21,658.2 | 0.0 | 0.0 | 0.0 | 0.0 | 20,560.6 | 0.0 | 42,218.7 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,272,243.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,272,243.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,239,270.3 | 3,455,364.4 | 21,182.9 | 2,201,538.2 | 1,416,246.1 | 418,780.0 | 1,318,138.5 | 0.0 | 1,785,127.3 | 2,212,691.2 | 20,068,338.8 | | Obligaciones con el Banco Central de Nicaragua | 492,095.0 | 624.9 | 234,244.9 | 222,357.5 | 327,970.3 | 131,742.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,409,035.2 | | 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 | 154,144.8 | 435,974.0 | 215,252.5 | 22,137.7 | 97,225.2 | 54,134.6 | 27,164.7 | 231.8 | 21,323.9 | 17,278.8 | 1,044,868.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,133,089.1 | 0.0 | 368,158.9 | 368,855.2 | 0.0 | 0.0 | 0.0 | 0.0 | 118,023.1 | 2,988,126.4 | | Otros Pasivos y Provisiones | 1,096,974.2 | 757,069.7 | 1,169,907.4 | 255,321.0 | 576,301.1 | 108,929.7 | 63,142.7 | 44,691.4 | 83,780.2 | 119,536.7 | 4,275,654.2 | | PATRIMONIO | 13,327,032.2 | 11,852,498.7 | 14,427,096.7 | 2,216,553.8 | 2,823,833.8 | 1,415,979.9 | 5,790,997.1 | 607,639.9 | 423,252.4 | 767,302.4 | 53,652,187.0 | | Fondos Propios | 13,370,846.7 | 11,776,056.0 | 14,073,373.7 | 2,205,723.1 | 2,647,491.6 | 1,360,301.2 | 5,707,998.1 | 607,586.4 | 376,461.6 | 737,477.4 | 52,863,315.8 | | 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 | 4,683,413.9 | 853,832.0 | 345,032.0 | 700,710.0 | 21,279,543.1 | | Aportes a Capitalizar | 1,575,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.4 | 0.0 | 70,702.4 | 1,645,703.8 | | 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 | 4,298,758.0 | 3,843,205.6 | 6,434,811.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,544.6 | -26,378.5 | -119,140.2 | 15,574,440.6 | | Resultado del Ejercicio | 1,377,695.9 | 1,356,600.8 | 1,884,276.5 | 173,471.0 | 363,898.1 | 155,169.2 | 205,543.2 | -41,701.4 | 46,506.2 | 56,310.2 | 5,577,769.5 | | Otro Resultado Integral Neto | -171,129.0 | -398,061.1 | 451.2 | -234.7 | -32,830.7 | 1,975.7 | 14,123.6 | 53.4 | 6,822.0 | 2,769.4 | -576,060.1 | | 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 | 19,442,294.1 | 17,272,845.0 | 13,708,087.1 | 1,301,093.1 | 11,870,018.3 | 1,457,569.7 | 0.0 | 54,260.2 | 0.0 | 0.0 | 65,106,167.6 | | CUENTAS DE ORDEN | 125,118,506.0 | 50,853,347.3 | 403,045,160.7 | 49,056,744.8 | 25,728,070.1 | 22,149,839.0 | 12,618,591.6 | 2,321,238.4 | 2,491,278.3 | 4,448,802.0 | 697,831,578.4 |
| | 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 OCTUBRE DE 2023 C$ 36.5635 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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