| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 101,743,268.9 | 86,773,848.7 | 85,671,195.5 | 22,133,720.2 | 28,198,079.2 | 12,406,259.1 | 7,305,378.4 | 2,360,264.0 | 2,693,450.0 | 3,902,659.7 | 353,188,123.8 | | Efectivo y Equivalentes de Efectivo | 26,488,544.0 | 19,215,343.7 | 22,106,065.7 | 4,641,194.1 | 4,584,092.6 | 3,148,055.5 | 761,208.2 | 360,266.4 | 259,033.9 | 640,271.7 | 82,204,075.9 | | Moneda Nacional | 13,734,104.0 | 6,496,076.3 | 7,572,869.6 | 1,170,989.5 | 1,156,896.0 | 1,408,344.5 | 76,715.4 | 102,619.2 | 104,005.9 | 208,185.3 | 32,030,805.4 | | Caja | 3,054,947.6 | 2,209,116.3 | 2,954,158.9 | 274,815.2 | 485,664.1 | 263,151.1 | 13,102.5 | 16,796.0 | 20,251.6 | 110,526.8 | 9,402,530.1 | | Banco Central de Nicaragua | 5,269,907.7 | 3,323,325.9 | 4,178,096.8 | 610,883.5 | 386,159.1 | 171,668.7 | 307.4 | 24,151.8 | 29,994.6 | 39.5 | 13,994,535.0 | | Instituciones Financieras | 141,245.6 | 210,961.6 | 440,614.0 | 135,859.0 | 32,494.9 | 187,146.2 | 37,697.6 | 8,975.9 | 53,759.6 | 97,619.0 | 1,346,373.2 | | Depósitos Restringidos | 0.0 | 2,568.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,688.6 | 0.0 | 0.0 | 7,800.2 | | Equivalentes de Efectivo | 5,268,003.1 | 750,104.2 | 0.0 | 149,431.7 | 250,034.7 | 786,378.4 | 25,607.8 | 50,006.9 | 0.0 | 0.0 | 7,279,566.9 | | Moneda Extranjera | 12,754,440.1 | 12,719,267.5 | 14,533,196.1 | 3,470,204.7 | 3,427,196.6 | 1,739,711.1 | 684,492.8 | 257,647.3 | 155,028.1 | 432,086.4 | 50,173,270.5 | | Caja | 1,772,662.4 | 1,417,359.0 | 2,179,005.4 | 177,158.5 | 437,218.6 | 323,555.5 | 2,682.6 | 10,435.5 | 22,388.4 | 80,992.5 | 6,423,458.5 | | Banco Central de Nicaragua | 6,202,606.1 | 6,668,218.6 | 8,062,070.9 | 2,285,871.6 | 1,835,417.9 | 1,030,129.0 | 6,996.1 | 40,255.1 | 14.6 | 22.0 | 26,131,601.9 | | Instituciones Financieras | 3,998,576.9 | 4,051,641.8 | 4,273,807.7 | 711,932.8 | 847,554.3 | 180,995.2 | 674,814.1 | 18,503.4 | 88,706.0 | 351,071.9 | 15,197,604.0 | | Depósitos Restringidos | 28,796.7 | 582,048.1 | 18,312.2 | 39,132.1 | 123,862.5 | 25,494.2 | 0.0 | 59,951.0 | 0.0 | 0.0 | 877,596.7 | | Equivalentes de Efectivo | 751,798.0 | 0.0 | 0.0 | 256,109.7 | 183,143.2 | 179,537.2 | 0.0 | 128,502.3 | 43,919.0 | 0.0 | 1,543,009.4 | | 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 | 1,216,466.9 | 5,272,130.0 | 4,674,137.7 | 0.0 | 7,531,466.2 | 6,750.0 | 250.0 | 137,518.0 | 0.0 | 0.0 | 18,838,718.9 | | Cartera a Costo Amortizado | 70,334,010.7 | 57,737,776.4 | 56,939,581.1 | 16,814,598.7 | 14,203,852.4 | 8,710,310.0 | 6,283,473.5 | 1,814,089.5 | 2,257,272.2 | 3,104,999.7 | 238,199,964.3 | | Inversiones a Costo Amortizado, Neto | 6,690,844.3 | 15,855,567.9 | 0.0 | 1,526,157.7 | 0.0 | 94,232.4 | 2,856,215.1 | 0.0 | 370.8 | 111,040.4 | 27,134,428.4 | | Cartera de Créditos, Neta | 63,643,166.4 | 41,882,208.5 | 56,939,581.1 | 15,288,441.0 | 14,203,852.4 | 8,616,077.7 | 3,427,258.5 | 1,814,089.5 | 2,256,901.4 | 2,993,959.3 | 211,065,535.8 | | Vigentes | 61,739,880.7 | 41,137,962.0 | 57,710,086.0 | 14,801,551.8 | 14,131,778.6 | 8,619,764.4 | 3,275,597.6 | 1,735,428.0 | 2,239,554.2 | 2,947,820.2 | 208,339,423.5 | | Prorrogados | 132,577.5 | 2,802.5 | 9,169.7 | 0.0 | 0.0 | 2,631.3 | 0.0 | 0.0 | 0.0 | 0.0 | 147,180.9 | | Reestructurados | 2,752,029.0 | 898,423.7 | 2,843,954.8 | 541,506.9 | 237,733.9 | 137,034.7 | 0.0 | 97,396.6 | 60,211.3 | 8,155.7 | 7,576,446.6 | | Vencidos | 288,918.0 | 438,660.7 | 214,482.3 | 204,255.0 | 146,255.2 | 38,628.5 | 17,412.6 | 6,322.0 | 40,460.5 | 50,207.2 | 1,445,601.8 | | Cobro Judicial | 288,027.9 | 695,524.2 | 246,517.6 | 74,789.5 | 33,927.3 | 6,997.6 | 357,584.3 | 0.0 | 0.0 | 296.4 | 1,703,664.8 | | Diferimiento de comisiones y otros | -110,923.5 | -168,400.5 | -281,925.7 | -51,595.1 | -38,081.2 | -28,036.9 | -2,066.1 | -6,805.4 | -6,661.9 | -18,551.5 | -713,047.7 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 870,660.0 | 527,654.1 | 621,022.5 | 187,945.7 | 158,799.4 | 141,656.9 | 50,473.4 | 13,506.6 | 41,616.4 | 114,478.3 | 2,727,813.2 | | (-) Provisión de Cartera de Créditos | -2,318,003.1 | -1,650,418.1 | -4,423,726.1 | -470,012.7 | -466,560.8 | -302,598.7 | -271,743.4 | -31,758.3 | -118,279.0 | -108,447.1 | -10,161,547.3 | | Cuentas por Cobrar, Neto | 311,037.7 | 803,815.4 | 529,853.4 | 112,734.7 | 149,640.3 | 92,042.6 | 36,762.6 | 2,455.7 | 16,432.2 | 15,649.8 | 2,070,424.3 | | 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 | 17,187.6 | 182,185.4 | 0.0 | 5,106.6 | 250.3 | 89.2 | 2,482.6 | 0.0 | 0.0 | 145.2 | 207,447.0 | | Participaciones | 382,128.8 | 2,132,585.0 | 125,464.6 | 46,674.4 | 815,198.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,502,050.9 | | Activo Material | 2,086,391.4 | 983,656.3 | 1,196,714.7 | 257,706.2 | 495,216.0 | 323,506.8 | 155,151.9 | 9,699.2 | 111,460.3 | 67,918.7 | 5,687,421.4 | | Activos Intangibles | 328,905.0 | 93,150.2 | 26,198.3 | 68,442.5 | 161,744.0 | 36,301.5 | 23,258.3 | 32,632.4 | 16,616.9 | 9,256.0 | 796,505.2 | | Activos Fiscales | 17,085.8 | 33,024.8 | 1,954.7 | 77,291.3 | 73,519.3 | 5,107.9 | 22,876.3 | 3.0 | 12,365.4 | 20,184.9 | 263,413.5 | | Otros Activos | 561,510.9 | 320,181.5 | 71,225.3 | 109,971.7 | 183,099.9 | 84,095.5 | 19,915.0 | 3,599.9 | 20,269.1 | 44,233.7 | 1,418,102.4 | | Pasivo | 86,308,589.5 | 72,490,001.0 | 68,717,634.1 | 19,806,329.8 | 24,698,993.2 | 10,719,503.4 | 1,345,762.9 | 1,590,600.5 | 2,212,608.4 | 2,970,279.8 | 290,860,302.6 | | Pasivos Financieros a Costo Amortizado | 84,847,049.2 | 71,426,879.7 | 66,877,724.6 | 19,180,968.0 | 23,820,187.3 | 10,444,305.6 | 1,231,248.5 | 1,571,375.3 | 2,116,261.0 | 2,740,650.7 | 284,256,649.8 | | Obligaciones con el Público | 75,094,624.3 | 68,449,931.5 | 63,289,071.1 | 15,838,512.1 | 17,591,624.0 | 8,276,989.3 | 0.0 | 621,307.4 | 0.0 | 0.0 | 249,162,059.7 | | Moneda Nacional | 33,718,930.1 | 25,066,052.0 | 18,287,273.1 | 3,368,743.3 | 2,916,520.4 | 1,235,574.1 | 0.0 | 22,236.5 | 0.0 | 0.0 | 84,615,329.6 | | Depósitos a la Vista | 19,913,611.6 | 15,263,541.7 | 11,281,094.9 | 1,121,884.2 | 2,163,118.1 | 711,652.5 | 0.0 | 9,718.4 | 0.0 | 0.0 | 50,464,621.5 | | Depósitos de Ahorro | 12,458,796.8 | 9,138,155.8 | 6,536,266.0 | 2,072,129.9 | 606,063.1 | 434,760.6 | 0.0 | 6,241.1 | 0.0 | 0.0 | 31,252,413.3 | | Depósitos a Plazo | 1,346,521.8 | 664,354.5 | 469,912.2 | 174,729.1 | 147,339.2 | 89,161.0 | 0.0 | 6,277.0 | 0.0 | 0.0 | 2,898,294.9 | | 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 | 41,144,988.0 | 43,168,962.2 | 44,853,025.7 | 12,308,528.7 | 14,547,691.9 | 7,006,164.3 | 0.0 | 596,611.9 | 0.0 | 0.0 | 163,625,972.5 | | Depósitos a la Vista | 10,668,091.1 | 12,112,842.4 | 15,180,778.6 | 1,456,054.0 | 4,484,988.5 | 1,670,106.0 | 0.0 | 137,977.1 | 0.0 | 0.0 | 45,710,837.8 | | Depósitos de Ahorro | 20,040,212.6 | 23,135,889.1 | 21,780,784.4 | 4,650,617.8 | 3,487,775.6 | 2,541,589.3 | 0.0 | 91,307.3 | 0.0 | 0.0 | 75,728,176.1 | | Depósitos a Plazo | 10,436,684.3 | 7,920,230.7 | 7,891,462.7 | 6,201,856.8 | 6,574,927.7 | 2,794,469.0 | 0.0 | 367,327.4 | 0.0 | 0.0 | 42,186,958.6 | | 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 | 230,706.2 | 214,917.3 | 148,772.3 | 161,240.2 | 127,411.7 | 35,250.8 | 0.0 | 2,459.0 | 0.0 | 0.0 | 920,757.5 | | Otras Obligaciones Diversas con el Público | 1,326,001.4 | 729,190.0 | 352,113.3 | 112,047.9 | 53,035.8 | 88,301.3 | 2,414.9 | 54.9 | 0.0 | 8,051.3 | 2,671,210.7 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,661,841.2 | 1,297,948.8 | 1,374,378.1 | 1,153,494.6 | 3,296,581.5 | 1,362,390.0 | 0.0 | 905,477.8 | 0.0 | 0.0 | 11,052,111.9 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,278.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 22,278.1 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 924,686.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 924,686.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,346,441.9 | 936,615.9 | 1,568,320.1 | 1,890,172.1 | 1,622,068.6 | 472,123.0 | 1,228,833.6 | 44,535.1 | 2,116,261.0 | 2,732,599.4 | 18,957,970.7 | | Obligaciones con el Banco Central de Nicaragua | 418,140.5 | 13,193.5 | 293,842.1 | 164,463.2 | 332,190.8 | 244,502.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,466,332.1 | | 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 | 165,346.5 | 151,866.9 | 236,865.8 | 23,463.7 | 106,697.0 | 55,642.7 | 23,975.9 | 1,712.9 | 21,469.4 | 28,496.5 | 815,537.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 36,533.7 | 0.0 | 383,128.9 | 384,266.1 | 0.0 | 0.0 | 0.0 | 0.0 | 95,446.9 | 899,375.6 | | Otros Pasivos y Provisiones | 1,296,193.8 | 874,720.6 | 1,603,043.7 | 218,769.3 | 387,842.8 | 219,555.1 | 90,538.5 | 17,512.3 | 74,878.0 | 105,685.6 | 4,888,739.8 | | PATRIMONIO | 15,434,679.5 | 14,283,847.8 | 16,953,561.4 | 2,327,390.3 | 3,499,085.9 | 1,686,755.8 | 5,959,615.5 | 769,663.5 | 480,841.6 | 932,380.0 | 62,327,821.3 | | Fondos Propios | 15,378,074.4 | 13,825,291.0 | 16,590,277.0 | 2,316,942.3 | 3,278,059.5 | 1,630,706.2 | 5,875,208.8 | 769,616.1 | 433,698.8 | 902,216.2 | 61,000,090.4 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 4,683,332.0 | 982,108.4 | 1,487,202.5 | 838,390.9 | 4,995,329.2 | 1,108,258.0 | 345,032.0 | 700,710.0 | 23,337,735.0 | | Aportes a Capitalizar | 4,321,823.0 | 0.6 | 0.0 | 695,861.7 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 5,088,388.0 | | 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 | 2,728,206.3 | 2,838,902.6 | 3,121,578.5 | 542,756.5 | 589,574.5 | 181,947.2 | 611,650.6 | 0.0 | 23,430.6 | 58,619.3 | 10,696,666.0 | | Resultados Acumulados | 4,049,578.8 | 6,305,819.5 | 8,227,498.0 | 66,318.3 | 1,137,046.3 | 576,987.1 | 0.0 | -324,997.9 | 57,502.7 | 49,297.8 | 20,145,050.5 | | Resultado del Ejercicio | 349,966.3 | 411,696.3 | 557,868.6 | 29,897.4 | 64,236.3 | 33,380.7 | 9,811.0 | -13,644.0 | 7,733.5 | 22,886.7 | 1,473,832.8 | | Otro Resultado Integral Neto | -68,477.3 | -15,947.1 | 10,012.6 | -617.4 | 11,853.5 | 2,346.5 | 15,531.2 | 47.4 | 6,209.8 | 3,108.2 | -35,932.6 | | Ajustes de Transición | 125,082.4 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 40,933.1 | 27,055.6 | 1,363,663.5 | | CUENTAS CONTINGENTES | 26,745,665.6 | 17,620,025.6 | 21,281,594.3 | 1,438,831.5 | 12,007,063.5 | 2,648,881.9 | 0.0 | 60,467.0 | 0.0 | 0.0 | 81,802,529.5 | | CUENTAS DE ORDEN | 153,112,939.7 | 102,536,651.7 | 508,167,119.1 | 51,138,151.7 | 29,698,810.3 | 24,586,145.7 | 14,456,555.4 | 3,847,762.5 | 3,716,792.4 | 5,050,580.3 | 896,311,508.8 |
| | 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 28 DE FEBRERO DE 2025 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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