| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 93,819,430.6 | 79,745,804.6 | 77,249,694.4 | 20,739,705.1 | 26,104,414.6 | 10,424,507.6 | 7,232,596.0 | 2,145,153.9 | 2,396,408.6 | 3,478,644.2 | 323,336,359.6 | | Efectivo y Equivalentes de Efectivo | 26,261,572.7 | 17,989,912.1 | 20,238,080.7 | 4,354,316.1 | 4,620,731.1 | 2,037,179.0 | 1,103,171.3 | 474,513.4 | 234,800.7 | 498,234.9 | 77,812,512.0 | | Moneda Nacional | 11,926,336.0 | 5,365,891.6 | 5,769,337.3 | 1,212,839.9 | 607,304.8 | 516,885.9 | 291,864.4 | 205,394.3 | 74,883.4 | 237,925.6 | 26,208,663.2 | | Caja | 2,812,652.4 | 1,964,765.6 | 2,668,595.1 | 279,034.4 | 274,124.1 | 212,363.8 | 11,355.3 | 13,688.5 | 23,115.4 | 127,451.9 | 8,387,146.7 | | Banco Central de Nicaragua | 4,180,183.7 | 3,255,921.0 | 2,835,091.9 | 556,906.9 | 303,520.5 | 155,872.4 | 180,869.3 | 20,520.0 | 9.8 | 0.0 | 11,488,895.5 | | Instituciones Financieras | 818,170.9 | 144,648.8 | 265,650.2 | 57,391.2 | 27,117.0 | 8,627.4 | 29,401.4 | 29,194.3 | 51,758.2 | 110,473.7 | 1,542,433.2 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,132.4 | 0.0 | 0.0 | 5,231.7 | | Equivalentes de Efectivo | 4,115,329.0 | 0.0 | 0.0 | 319,507.4 | 0.0 | 140,022.4 | 70,238.3 | 139,859.1 | 0.0 | 0.0 | 4,784,956.1 | | Moneda Extranjera | 14,335,236.7 | 12,624,020.5 | 14,468,743.4 | 3,141,476.2 | 4,013,426.3 | 1,520,293.1 | 811,306.9 | 269,119.1 | 159,917.3 | 260,309.3 | 51,603,848.8 | | Caja | 1,735,400.3 | 1,318,696.5 | 2,030,039.1 | 216,392.2 | 509,176.4 | 347,143.9 | 3,085.4 | 19,262.9 | 25,671.0 | 79,865.5 | 6,284,733.1 | | Banco Central de Nicaragua | 6,012,394.0 | 5,990,973.0 | 7,638,044.1 | 2,313,205.5 | 2,075,305.7 | 875,772.1 | 989.9 | 121,918.5 | 3,392.3 | 0.0 | 25,031,995.0 | | Instituciones Financieras | 5,305,122.8 | 4,395,176.5 | 4,571,441.3 | 574,669.9 | 734,651.3 | 70,695.0 | 807,231.6 | 25,280.7 | 130,854.0 | 180,443.9 | 16,795,567.0 | | Depósitos Restringidos | 252,870.4 | 919,174.6 | 229,218.8 | 37,208.6 | 144,606.9 | 24,243.7 | 0.0 | 47,715.5 | 0.0 | 0.0 | 1,655,038.5 | | Equivalentes de Efectivo | 1,029,449.2 | 0.0 | 0.0 | 0.0 | 549,686.2 | 202,438.3 | 0.0 | 54,941.5 | 0.0 | 0.0 | 1,836,515.1 | | 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 | 1,201,521.4 | 9,148,195.2 | 10,588,242.4 | 0.0 | 7,936,606.4 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 28,881,565.5 | | Cartera a Costo Amortizado | 62,805,471.2 | 47,617,336.4 | 44,810,034.0 | 15,718,861.0 | 11,905,358.1 | 7,922,695.5 | 5,873,772.6 | 1,620,231.1 | 1,994,971.7 | 2,822,460.0 | 203,091,191.5 | | Inversiones a Costo Amortizado, Neto | 9,476,892.3 | 14,222,855.1 | 0.0 | 1,758,428.4 | 0.0 | 762,746.0 | 2,325,401.2 | 56,520.2 | 373.0 | 110,872.7 | 28,714,088.9 | | Cartera de Créditos, Neta | 53,328,578.9 | 33,394,481.3 | 44,810,034.0 | 13,960,432.6 | 11,905,358.1 | 7,159,949.5 | 3,548,371.5 | 1,563,710.9 | 1,994,598.6 | 2,711,587.4 | 174,377,102.6 | | Vigentes | 51,402,062.9 | 32,177,523.3 | 45,337,944.4 | 13,385,133.5 | 11,861,153.2 | 7,117,333.2 | 3,119,703.2 | 1,575,642.5 | 2,004,492.0 | 2,671,228.8 | 170,652,216.9 | | Prorrogados | 106,662.3 | 5,860.1 | 10,535.8 | 0.0 | 0.0 | 0.0 | 207,757.1 | 0.0 | 0.0 | 0.0 | 330,815.3 | | Reestructurados | 2,490,857.9 | 1,291,416.3 | 3,068,723.8 | 655,763.3 | 169,015.5 | 208,327.9 | 7,837.8 | 0.0 | 24,851.9 | 3,660.9 | 7,920,455.2 | | Vencidos | 178,733.1 | 844,516.5 | 217,087.0 | 93,305.8 | 113,353.9 | 31,557.2 | 1,457.1 | 0.0 | 31,976.6 | 34,323.0 | 1,546,310.2 | | Cobro Judicial | 315,446.8 | 254,219.8 | 297,988.9 | 75,596.4 | 7,092.8 | 7,164.7 | 377,181.0 | 0.0 | 0.0 | 532.0 | 1,335,222.5 | | Diferimiento de comisiones y otros | -103,479.3 | -160,184.8 | -209,895.0 | -40,654.0 | -27,642.4 | -30,111.3 | -2,191.2 | -5,418.9 | -4,953.0 | -16,131.3 | -600,661.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 736,370.7 | 428,711.1 | 513,884.4 | 180,418.6 | 142,961.5 | 117,310.1 | 51,390.5 | 9,145.5 | 37,663.5 | 99,905.0 | 2,317,760.9 | | (-) Provisión de Cartera de Créditos | -1,798,075.4 | -1,447,581.1 | -4,426,235.4 | -389,131.0 | -360,576.4 | -291,632.4 | -214,764.0 | -15,658.1 | -99,432.5 | -81,931.1 | -9,125,017.2 | | Cuentas por Cobrar, Neto | 308,294.7 | 615,925.0 | 279,858.5 | 59,551.1 | 70,195.8 | 87,884.1 | 49,106.0 | 2,056.4 | 23,505.6 | 18,408.8 | 1,514,786.1 | | 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 | 101,641.6 | 632,828.8 | 2,362.5 | 20,372.4 | 4,965.0 | 122.5 | 0.0 | 0.0 | 0.0 | 1,242.6 | 763,535.3 | | Participaciones | 355,391.6 | 2,252,334.3 | 105,969.3 | 43,219.6 | 756,802.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,513,717.4 | | Activo Material | 2,062,674.9 | 875,656.3 | 1,149,587.5 | 258,621.0 | 448,237.5 | 286,480.3 | 168,009.5 | 12,448.1 | 94,917.1 | 67,319.5 | 5,423,951.9 | | Activos Intangibles | 314,106.0 | 103,436.8 | 912.3 | 50,603.7 | 170,415.4 | 38,067.1 | 6,589.0 | 31,276.5 | 21,586.3 | 9,321.1 | 746,314.1 | | Activos Fiscales | 14,209.3 | 223,293.6 | 0.0 | 52,570.3 | 72,155.3 | 4,429.3 | 17,582.9 | 128.9 | 12,460.8 | 14,269.1 | 411,099.5 | | Otros Activos | 394,547.2 | 286,886.1 | 74,647.3 | 181,590.0 | 118,947.3 | 40,899.8 | 14,114.7 | 4,499.5 | 14,166.4 | 47,388.1 | 1,177,686.4 | | Pasivo | 79,902,475.5 | 67,132,847.5 | 62,090,455.7 | 18,566,717.3 | 23,098,539.8 | 8,940,940.6 | 1,399,963.3 | 1,304,898.3 | 1,956,641.1 | 2,667,819.3 | 267,061,298.4 | | Pasivos Financieros a Costo Amortizado | 78,523,311.4 | 64,289,936.0 | 60,850,500.6 | 17,922,990.2 | 22,226,069.6 | 8,761,985.7 | 1,290,582.2 | 1,248,456.2 | 1,864,530.7 | 2,415,701.6 | 259,394,064.1 | | Obligaciones con el Público | 67,847,921.9 | 60,137,365.8 | 59,002,071.1 | 14,728,100.3 | 15,939,484.4 | 6,878,252.6 | 0.0 | 570,494.9 | 0.0 | 0.0 | 225,103,691.0 | | Moneda Nacional | 28,806,921.6 | 20,647,960.4 | 16,213,333.7 | 3,261,345.0 | 2,368,274.2 | 897,481.9 | 0.0 | 27,232.2 | 0.0 | 0.0 | 72,222,548.9 | | Depósitos a la Vista | 16,976,918.7 | 12,540,637.9 | 10,576,089.7 | 1,064,642.8 | 1,717,926.4 | 548,852.0 | 0.0 | 22,018.6 | 0.0 | 0.0 | 43,447,086.3 | | Depósitos de Ahorro | 10,704,895.8 | 7,611,442.7 | 5,237,232.8 | 2,060,936.3 | 502,726.1 | 315,779.4 | 0.0 | 1,802.6 | 0.0 | 0.0 | 26,434,815.8 | | Depósitos a Plazo | 1,125,107.1 | 495,879.7 | 400,011.1 | 135,765.8 | 147,621.7 | 32,850.5 | 0.0 | 3,410.9 | 0.0 | 0.0 | 2,340,646.9 | | 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 | | Moneda Extranjera | 38,848,511.2 | 39,333,722.9 | 42,667,731.5 | 11,345,489.9 | 13,469,191.8 | 5,948,584.7 | 0.0 | 541,345.0 | 0.0 | 0.0 | 152,154,577.0 | | Depósitos a la Vista | 11,222,528.5 | 11,059,292.3 | 15,768,478.7 | 1,038,754.1 | 3,872,942.1 | 1,674,977.1 | 0.0 | 156,311.9 | 0.0 | 0.0 | 44,793,284.6 | | Depósitos de Ahorro | 18,282,380.9 | 21,257,583.6 | 20,323,059.0 | 4,445,155.2 | 3,211,364.5 | 2,043,709.0 | 0.0 | 51,512.6 | 0.0 | 0.0 | 69,614,764.8 | | Depósitos a Plazo | 9,343,601.8 | 7,016,846.9 | 6,576,193.8 | 5,861,580.6 | 6,384,885.1 | 2,229,898.7 | 0.0 | 333,520.6 | 0.0 | 0.0 | 37,746,527.5 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 192,489.1 | 155,682.5 | 121,005.9 | 121,265.4 | 102,018.4 | 32,186.0 | 0.0 | 1,917.7 | 0.0 | 0.0 | 726,565.1 | | Otras Obligaciones Diversas con el Público | 996,608.0 | 467,779.4 | 649,801.4 | 94,143.6 | 70,165.3 | 80,504.9 | 1,635.6 | 46.6 | 0.0 | 0.0 | 2,360,684.6 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,842,675.8 | 1,049,890.9 | 894,592.8 | 1,031,822.5 | 2,430,345.2 | 1,328,272.2 | 0.0 | 632,404.0 | 0.0 | 0.0 | 9,210,003.2 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 29,218.6 | 0.0 | 0.0 | 0.0 | 0.0 | 20,726.7 | 0.0 | 49,945.3 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 2,052,398.2 | 0.0 | 0.0 | 45,510.7 | 0.0 | 0.0 | 2,097,908.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,349,352.1 | 2,621,731.6 | 15,352.9 | 1,815,913.0 | 1,447,933.5 | 321,331.2 | 1,288,946.6 | 0.0 | 1,843,804.0 | 2,415,701.6 | 19,120,066.5 | | Obligaciones con el Banco Central de Nicaragua | 486,753.7 | 13,168.3 | 288,682.5 | 223,792.3 | 285,743.0 | 153,624.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,451,764.6 | | 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 | 164,286.5 | 299,260.0 | 207,341.4 | 22,525.3 | 96,055.6 | 54,947.5 | 27,967.2 | 334.7 | 20,907.8 | 19,018.1 | 912,644.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 1,864,010.3 | 0.0 | 384,508.6 | 385,611.9 | 0.0 | 0.0 | 0.0 | 0.0 | 121,521.8 | 2,755,652.5 | | Otros Pasivos y Provisiones | 1,214,877.6 | 679,641.2 | 1,032,613.8 | 236,693.3 | 390,802.7 | 124,007.4 | 81,413.9 | 56,107.4 | 71,202.7 | 111,577.8 | 3,998,937.7 | | PATRIMONIO | 13,916,955.1 | 12,612,957.1 | 15,159,238.7 | 2,172,987.8 | 3,005,874.8 | 1,483,567.0 | 5,832,632.8 | 840,255.7 | 439,767.5 | 810,824.9 | 56,275,061.2 | | Fondos Propios | 13,915,277.5 | 12,261,439.1 | 14,810,143.8 | 2,162,158.6 | 2,819,242.9 | 1,427,136.5 | 5,749,633.7 | 840,215.7 | 393,179.5 | 781,282.0 | 55,159,709.4 | | 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 | 4,854,208.4 | 1,108,258.0 | 345,032.0 | 700,710.0 | 21,704,763.7 | | Aportes a Capitalizar | 1,575,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 1,645,703.3 | | 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 | 2,441,580.3 | 2,531,076.4 | 2,693,763.7 | 520,040.7 | 518,936.9 | 149,626.3 | 590,297.0 | 0.0 | 17,273.0 | 40,603.4 | 9,503,197.6 | | Resultados Acumulados | 5,720,176.2 | 5,110,835.6 | 8,366,915.2 | 633,457.1 | 950,662.1 | 404,266.1 | 0.0 | -261,642.5 | 23,308.2 | -52,791.9 | 20,895,186.3 | | Resultado del Ejercicio | 250,021.0 | 350,654.5 | 347,983.4 | 26,552.5 | 72,441.4 | 34,853.0 | 46,710.3 | -6,399.8 | 7,566.3 | 22,058.0 | 1,152,440.4 | | Otro Resultado Integral Neto | -124,780.8 | -122,985.8 | -4,176.9 | -236.2 | -22,541.0 | 2,727.4 | 14,123.6 | 40.0 | 6,619.3 | 2,487.3 | -248,723.2 | | Ajustes de Transición | 126,458.4 | 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 | 1,364,075.1 | | CUENTAS CONTINGENTES | 21,081,320.4 | 16,396,006.0 | 14,696,265.0 | 1,341,212.8 | 10,087,947.5 | 1,719,065.3 | 0.0 | 54,792.6 | 0.0 | 0.0 | 65,376,609.5 | | CUENTAS DE ORDEN | 127,435,816.7 | 47,487,469.1 | 422,913,504.1 | 49,916,810.6 | 28,216,150.9 | 22,840,977.6 | 13,596,703.4 | 3,051,273.3 | 2,552,268.8 | 4,642,745.3 | 722,653,719.8 |
| | 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 29 DE FEBRERO DE 2024 C$ 36.6243 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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