| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 108,752,096.6 | 94,561,877.7 | 94,753,179.6 | 23,975,144.8 | 30,923,934.2 | 14,150,369.5 | 7,370,034.3 | 2,878,359.9 | 4,223,931.9 | 381,588,928.5 | | Efectivo y Equivalentes de Efectivo | 31,422,481.0 | 24,736,416.2 | 18,970,860.3 | 6,021,397.6 | 8,091,475.1 | 3,409,279.1 | 724,930.7 | 552,967.5 | 640,499.7 | 94,570,307.2 | | Moneda Nacional | 17,231,239.9 | 7,464,055.6 | 6,606,710.5 | 2,108,551.9 | 4,158,843.4 | 1,612,810.9 | 197,066.0 | 217,258.3 | 148,847.8 | 39,745,384.3 | | Caja | 2,722,254.9 | 2,170,062.3 | 2,744,170.2 | 269,664.6 | 626,294.7 | 240,428.0 | 8,828.4 | 35,903.3 | 100,865.8 | 8,918,472.2 | | Banco Central de Nicaragua | 5,458,289.1 | 4,959,827.1 | 2,844,654.9 | 653,011.6 | 688,181.2 | 286,681.4 | 190.8 | 66,502.8 | 40.5 | 14,957,379.5 | | Instituciones Financieras | 406,460.2 | 291,549.2 | 417,806.2 | 230,937.9 | 26,248.3 | 413,641.2 | 67,896.8 | 8,710.6 | 47,941.4 | 1,911,191.8 | | Depósitos Restringidos | 0.0 | 42,617.0 | 0.0 | 0.0 | 2,543.2 | 21,974.6 | 0.0 | 6,128.5 | 0.0 | 73,263.3 | | Equivalentes de Efectivo | 8,644,235.6 | 0.0 | 600,079.2 | 954,937.8 | 2,815,575.9 | 650,085.8 | 120,150.0 | 100,013.2 | 0.0 | 13,885,077.5 | | Moneda Extranjera | 14,191,241.1 | 17,272,360.6 | 12,364,149.8 | 3,912,845.7 | 3,932,631.7 | 1,796,468.2 | 527,864.7 | 335,709.2 | 491,651.9 | 54,824,922.8 | | Caja | 2,081,468.5 | 1,527,057.9 | 2,254,056.4 | 178,945.7 | 393,575.1 | 304,203.9 | 2,940.2 | 40,198.6 | 87,007.5 | 6,869,453.9 | | Banco Central de Nicaragua | 6,917,796.0 | 8,138,188.0 | 6,599,738.4 | 2,214,087.6 | 2,302,267.7 | 1,313,332.7 | 78,859.6 | 72,027.3 | 2,955.6 | 27,639,253.1 | | Instituciones Financieras | 4,459,081.2 | 3,073,009.1 | 2,405,817.0 | 564,493.3 | 570,537.5 | 60,802.8 | 446,064.9 | 64,721.0 | 401,688.8 | 12,046,215.6 | | Depósitos Restringidos | 18,417.7 | 655,086.1 | 5,725.1 | 40,258.4 | 135,158.3 | 26,225.8 | 0.0 | 103,821.6 | 0.0 | 984,692.9 | | Equivalentes de Efectivo | 714,477.7 | 3,879,019.4 | 1,098,812.9 | 915,060.7 | 531,092.9 | 91,903.0 | 0.0 | 54,940.6 | 0.0 | 7,285,307.3 | | 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 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,205,028.8 | 1,439,443.4 | 11,320,180.8 | 0.0 | 4,844,223.2 | 6,750.0 | 250.0 | 535,547.2 | 0.0 | 19,351,423.4 | | Cartera a Costo Amortizado | 72,339,996.6 | 63,493,391.9 | 62,537,156.8 | 17,203,785.7 | 16,035,790.9 | 10,168,437.1 | 6,389,915.7 | 1,734,421.4 | 3,368,527.2 | 253,271,423.4 | | Inversiones a Costo Amortizado, Neto | 6,617,650.2 | 20,301,075.2 | 0.0 | 1,732,199.6 | 0.0 | 386,664.8 | 3,180,548.1 | 0.0 | 110,431.2 | 32,328,569.1 | | Cartera de Créditos, Neta | 65,722,346.4 | 43,192,316.7 | 62,537,156.8 | 15,471,586.2 | 16,035,790.9 | 9,781,772.3 | 3,209,367.6 | 1,734,421.4 | 3,258,096.0 | 220,942,854.3 | | Vigentes | 63,868,245.7 | 42,924,701.7 | 63,717,648.3 | 15,072,000.5 | 15,878,188.9 | 9,792,073.7 | 3,100,842.9 | 1,624,974.4 | 3,178,558.4 | 219,157,234.7 | | Prorrogados | 55,589.8 | 8,358.5 | 149,964.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 213,912.9 | | Reestructurados | 2,859,043.5 | 784,314.2 | 2,409,192.3 | 528,834.6 | 321,704.1 | 135,489.3 | 3,208.1 | 146,402.5 | 8,828.8 | 7,197,017.4 | | Vencidos | 358,892.6 | 403,401.7 | 336,710.6 | 127,925.5 | 167,830.8 | 48,918.3 | 6,152.0 | 14,649.7 | 62,368.7 | 1,526,849.8 | | Cobro Judicial | 304,518.6 | 131,288.6 | 250,385.2 | 42,309.2 | 48,991.5 | 11,837.6 | 211,760.2 | 2,580.7 | 0.0 | 1,003,671.6 | | Diferimiento de comisiones y otros | -113,630.6 | -172,825.7 | -308,622.2 | -60,281.9 | -43,200.1 | -25,903.1 | -1,539.9 | -5,832.8 | -22,671.2 | -754,507.6 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 830,148.8 | 534,673.3 | 631,077.7 | 192,955.8 | 198,365.5 | 145,011.9 | 34,238.4 | 17,296.2 | 149,962.2 | 2,733,729.7 | | (-) Provisión de Cartera de Créditos | -2,440,462.0 | -1,421,595.7 | -4,649,199.7 | -432,157.6 | -536,089.7 | -325,655.4 | -145,294.1 | -65,649.3 | -118,950.9 | -10,135,054.4 | | Cuentas por Cobrar, Neto | 351,586.2 | 779,356.6 | 469,749.5 | 92,193.7 | 188,502.3 | 97,942.9 | 45,861.3 | 4,420.8 | 19,022.7 | 2,048,636.0 | | 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 | | Activos Recibidos en Recuperación de Créditos | 167,141.2 | 262,694.6 | 0.0 | 38,250.7 | 1,984.0 | 382.8 | 2,482.6 | 0.0 | 3,002.8 | 475,938.7 | | Participaciones | 400,101.0 | 2,328,349.6 | 132,002.1 | 50,491.7 | 794,767.8 | 0.0 | 0.0 | 0.0 | 0.0 | 3,705,712.1 | | Activo Material | 2,171,630.5 | 1,058,785.2 | 1,223,779.7 | 243,595.7 | 522,594.8 | 329,549.0 | 145,442.3 | 14,207.9 | 79,733.9 | 5,789,319.1 | | Activos Intangibles | 298,881.9 | 157,956.2 | 24,262.6 | 112,975.6 | 161,305.8 | 35,596.0 | 24,994.1 | 30,777.7 | 7,941.1 | 854,691.0 | | Activos Fiscales | 4,081.1 | 14,803.1 | 0.0 | 65,995.8 | 67,598.8 | 4,707.5 | 21,983.4 | 23.1 | 44,544.8 | 223,737.7 | | Otros Activos | 391,168.2 | 290,681.0 | 75,187.9 | 146,458.3 | 215,691.6 | 97,725.0 | 14,174.2 | 5,994.1 | 60,659.7 | 1,297,740.0 | | Pasivo | 92,460,478.4 | 79,137,295.8 | 77,244,683.8 | 21,564,786.8 | 27,125,350.2 | 12,312,960.3 | 1,329,412.2 | 1,815,251.1 | 3,248,898.5 | 316,239,117.0 | | Pasivos Financieros a Costo Amortizado | 90,889,348.8 | 77,685,972.0 | 75,151,912.0 | 20,906,123.5 | 26,291,978.9 | 12,021,489.2 | 1,215,304.8 | 1,784,550.8 | 3,036,668.0 | 308,983,348.0 | | Obligaciones con el Público | 80,344,142.9 | 74,907,209.7 | 68,674,461.3 | 18,080,645.8 | 19,745,929.8 | 9,451,878.4 | 0.0 | 779,937.6 | 0.0 | 271,984,205.4 | | Moneda Nacional | 36,461,318.8 | 26,619,325.1 | 20,575,981.6 | 4,108,563.6 | 3,585,480.5 | 1,530,001.7 | 0.0 | 53,431.2 | 0.0 | 92,934,102.4 | | Depósitos a la Vista | 22,539,520.3 | 15,142,413.8 | 12,655,366.3 | 1,809,798.3 | 2,367,545.4 | 917,107.1 | 0.0 | 40,088.5 | 0.0 | 55,471,839.9 | | Depósitos de Ahorro | 12,557,982.5 | 10,318,164.7 | 7,276,812.7 | 2,104,793.4 | 747,990.6 | 511,434.0 | 0.0 | 8,111.2 | 0.0 | 33,525,289.1 | | Depósitos a Plazo | 1,363,815.9 | 1,158,746.7 | 643,802.6 | 193,971.9 | 469,944.4 | 101,460.5 | 0.0 | 5,231.5 | 0.0 | 3,936,973.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 43,557,773.5 | 48,041,472.8 | 47,919,372.4 | 13,777,303.3 | 15,981,244.6 | 7,873,313.2 | 0.0 | 724,361.8 | 0.0 | 177,874,841.6 | | Depósitos a la Vista | 9,932,446.1 | 10,865,926.2 | 14,634,753.3 | 1,751,815.2 | 3,707,427.4 | 1,777,696.4 | 0.0 | 152,916.9 | 0.0 | 42,822,981.5 | | Depósitos de Ahorro | 22,425,796.6 | 28,623,992.3 | 23,831,575.7 | 5,033,615.9 | 3,841,409.3 | 2,778,171.5 | 0.0 | 109,738.3 | 0.0 | 86,644,299.6 | | Depósitos a Plazo | 11,199,530.8 | 8,551,554.3 | 9,453,043.3 | 6,991,872.2 | 8,432,407.9 | 3,317,445.3 | 0.0 | 461,706.6 | 0.0 | 48,407,560.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 325,050.6 | 246,411.7 | 179,107.3 | 194,778.9 | 179,204.6 | 48,563.6 | 0.0 | 2,144.6 | 0.0 | 1,175,261.4 | | Otras Obligaciones Diversas con el Público | 979,019.4 | 627,924.8 | 288,371.0 | 132,099.3 | 66,703.8 | 87,842.8 | 4,103.1 | 281.4 | 7,030.0 | 2,193,375.6 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,104,646.8 | 1,262,824.3 | 2,136,261.6 | 1,155,396.5 | 3,443,493.5 | 1,802,142.8 | 0.0 | 970,201.6 | 0.0 | 12,874,967.0 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,101.5 | 0.0 | 0.0 | 0.0 | 0.0 | 18,365.6 | 40,467.1 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 916,211.4 | 0.0 | 0.0 | 0.0 | 0.0 | 916,211.4 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,009,432.8 | 887,677.0 | 3,646,758.0 | 1,358,823.3 | 1,868,976.1 | 423,821.5 | 1,211,201.7 | 34,130.2 | 3,011,272.4 | 19,452,093.0 | | Obligaciones con el Banco Central de Nicaragua | 452,106.9 | 336.3 | 406,060.1 | 157,057.1 | 250,664.4 | 255,803.7 | 0.0 | 0.0 | 0.0 | 1,522,028.5 | | Arrendamiento Financiero | 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 | | Pasivos Fiscales | 199,301.2 | 489,796.0 | 225,939.1 | 27,076.3 | 99,145.7 | 72,525.0 | 25,233.9 | 3,077.5 | 69,462.0 | 1,211,556.6 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 0.0 | 0.0 | 369,026.8 | 369,688.7 | 0.0 | 0.0 | 0.0 | 0.0 | 738,715.6 | | Otros Pasivos y Provisiones | 1,371,828.4 | 961,527.8 | 1,866,832.8 | 262,560.1 | 364,536.8 | 218,946.1 | 88,873.4 | 27,622.8 | 142,768.6 | 5,305,496.7 | | PATRIMONIO | 16,291,618.2 | 15,424,581.9 | 17,508,495.8 | 2,410,358.0 | 3,798,584.1 | 1,837,409.2 | 6,040,622.1 | 1,063,108.8 | 975,033.5 | 65,349,811.5 | | Fondos Propios | 16,210,120.4 | 14,967,708.6 | 17,156,845.4 | 2,399,960.0 | 3,579,086.7 | 1,781,688.9 | 5,956,215.5 | 1,061,705.4 | 944,869.7 | 64,058,200.4 | | Capital Social Pagado | 3,928,500.0 | 5,008,872.0 | 4,683,332.0 | 982,108.4 | 2,585,931.5 | 838,390.9 | 5,009,484.1 | 1,474,501.0 | 700,710.0 | 25,211,829.9 | | Aportes a Capitalizar | 4,321,823.0 | 0.6 | 1,464,972.0 | 695,861.7 | 0.0 | 0.3 | 0.0 | 0.0 | 70,702.4 | 6,553,360.0 | | Obligaciones Convertibles en Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,418.0 | 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 | 611,600.3 | 0.0 | 58,619.3 | 10,673,185.1 | | Resultados Acumulados | 3,502,046.1 | 5,016,455.0 | 5,480,675.5 | 66,318.3 | 38,317.3 | 576,987.1 | 0.0 | -324,997.9 | 39,438.2 | 14,395,239.7 | | Resultado del Ejercicio | 1,729,545.0 | 2,103,478.4 | 2,406,287.4 | 112,915.1 | 365,263.4 | 184,363.4 | 76,713.0 | -87,797.7 | 75,399.7 | 6,966,167.7 | | Otro Resultado Integral Neto | -41,752.7 | -17,630.6 | -1,621.3 | -667.4 | 10,324.6 | 2,017.2 | 15,531.2 | 1,403.4 | 3,108.2 | -29,287.4 | | Ajustes de Transición | 123,250.6 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 27,055.6 | 1,320,898.5 | | CUENTAS CONTINGENTES | 28,188,805.4 | 16,830,662.0 | 23,431,951.9 | 1,472,843.6 | 13,108,232.3 | 3,469,096.0 | 0.0 | 54,047.7 | 0.0 | 86,555,638.8 | | CUENTAS DE ORDEN | 193,695,131.6 | 109,040,233.0 | 552,924,714.7 | 50,699,152.5 | 36,911,750.1 | 25,439,097.6 | 15,321,986.0 | 3,076,242.1 | 5,460,445.5 | 992,568,753.0 |
| | 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 2025 C$ 36.6243 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2024 C$ 36.6243 X US$ 1.00 | | 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. | | 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 Monetario y Financiero, mediante Resolución No. CDMF-V-4-25 de fecha 19 de febrero de 2025, autorizó la revocación de la licencia de FINANCIERA FAMA, SOCIEDAD ANÓNIMA, para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Dicha revocación fue inscrita en el Registro Público de la Propiedad Inmueble y Mercantil de Managua en fecha 21 de marzo de 2025 y publicada en La Gaceta, Diario Oficial No. 62 del 1 de abril de 2025. Por lo anterior, a partir del mes de marzo de 2025, la SIBOIF no publica información relativa a esta entidad. |
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