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Ficohsa Honduras

Ficohsa has been operating for more than 20 years in Honduras and is today one of the largest banks focusing on SMEs and consumer finance in Honduras.  Additionally, the group has expanded its business to Panama and Guatemala.

Ficohsa has its main operation in Honduras where it has a commercial bank, FX house, trading desk and insurance.  In Panama, it has an international license and is opening a local bank.  The bank’s holding is also in Panama, mostly because of the regulation that is regarded as the most advanced and accepted by the other regulators in the region.  Recently, Ficohsa purchased 90% equity stake in Banco Americano in Guatemala, where it has already migrated the brand into Ficohsa.

Banco Ficohsa is known for its innovative trend in banking services, providing a wide array of banking products for a diverse customer base.  All of the products and services the bank offers are intended to satisfy the most demanding customers.  Regarding corporate and retail customers, the bank offers many products such as: CDs, checking and savings account, different types of loans, L/Cs, confirmations, different types of credit cards, international and local factoring, wire transfers, subordinate bonds, FX transactions, corporate loans, bank guarantees, auctions (request of dollars), online banking, money remittances, mortgage loans, commercial loans, automobile loans, etc.

Norfund has invested in Ficohsa to assist in the continuing development of the Financial Industry in the region.  Additionally, a key component of Ficohsa’s strategy is to grow in the SME market, which is aligned with Norfund’s mandate. Norfund’s loan will exclusively be used to investments in SMEs and thereby improve their access to funding in Honduras. Ficohsa is a good partner with large breadth in the market to successfully reach the SME segment.


  • Sector: Financial institution
  • Investment year: 2012
  • Instrument: Loan
  • Committed amount (MNOK): 67,4