| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos Financieros | 491,322.2 | 431,217.1 | 397,999.2 | 179,315.6 | 140,448.3 | 55,372.7 | 33,186.9 | 32,578.1 | 45,692.1 | 33,240.1 | 39,832.2 | 79,622.2 | 1,959,826.9 | | Ingresos Financieros por Efectivo | 3,298.1 | 2,561.3 | 5,095.3 | 881.9 | 287.9 | 123.5 | 271.8 | 920.6 | 460.5 | 80.2 | 135.3 | 343.7 | 14,460.2 | | Ingresos Financieros por Inversiones | 32,261.8 | 78,073.4 | 2,762.9 | 7,104.7 | 13,919.1 | 1,441.1 | 15,020.4 | 7,915.7 | 1.2 | 0.0 | 467.3 | 225.7 | 159,193.4 | | Ingresos Financieros por Cartera de Créditos | 450,523.9 | 340,019.2 | 389,607.9 | 170,483.2 | 126,205.6 | 53,796.0 | 17,894.8 | 23,435.2 | 44,453.1 | 33,159.8 | 39,229.6 | 78,308.8 | 1,767,117.1 | | Otros Ingresos Financieros | 5,238.3 | 10,563.2 | 533.0 | 845.9 | 35.6 | 12.2 | 0.0 | 306.6 | 777.2 | 0.1 | 0.0 | 744.1 | 19,056.2 | | Gastos Financieros | 148,993.8 | 134,372.4 | 88,507.9 | 70,291.1 | 47,748.6 | 17,415.2 | 2,279.2 | 1,991.1 | 12,059.2 | 7,593.5 | 11,313.0 | 19,937.3 | 562,502.3 | | Gastos Financieros por Obligaciones con el Público | 64,313.0 | 47,254.2 | 42,006.9 | 27,877.1 | 19,843.9 | 11,738.7 | 0.0 | 1,933.4 | 0.0 | 0.0 | 0.0 | 0.0 | 214,967.3 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 3,183.3 | 5,021.6 | 18,377.7 | 6,168.4 | 0.0 | 3,506.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 36,258.0 | | Gastos Financieros por Emisión de Deuda | 403.7 | 0.0 | 0.0 | 2,409.3 | 0.0 | 0.0 | 0.0 | 0.0 | 330.7 | 189.8 | 74.4 | 0.0 | 3,407.8 | | Gastos Financieros por Operaciones de Reporto | 26,677.9 | 16,400.7 | 1,413.2 | 4,481.1 | 1,981.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 50,953.9 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 40,598.6 | 45,717.3 | 24,279.9 | 23,997.7 | 19,809.2 | 1,959.3 | 2,279.2 | 53.5 | 11,358.5 | 6,373.6 | 9,335.9 | 17,663.4 | 203,426.1 | | Gastos Financieros por Cuentas por pagar | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Gastos Financieros por Obligaciones con el Banco Central de Nicaragua | 3,102.1 | 1,270.4 | 0.0 | 769.0 | 3,117.5 | 144.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,403.5 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 10,040.3 | 18,609.1 | 0.0 | 3,931.8 | 2,845.7 | 0.0 | 0.0 | 0.0 | 0.0 | 890.9 | 1,120.4 | 1,925.1 | 39,363.3 | | Otros Gastos Financieros | 674.9 | 99.2 | 2,430.2 | 656.5 | 151.3 | 65.7 | 0.0 | 4.2 | 370.0 | 139.2 | 782.3 | 348.8 | 5,722.3 | | Margen Financiero antes de Mantenimiento de Valor | 342,328.4 | 296,844.8 | 309,491.3 | 109,024.5 | 92,699.7 | 37,957.5 | 30,907.8 | 30,587.0 | 33,632.9 | 25,646.6 | 28,519.2 | 59,685.0 | 1,397,324.6 | | Ajustes netos por Mantenimiento de Valor | -2,443.1 | 0.0 | -17,995.0 | -812.2 | 0.0 | 831.3 | 6,409.6 | 8,829.3 | 1,500.1 | 5,327.0 | 78.9 | 680.8 | 2,406.6 | | Margen Financiero, bruto | 339,885.3 | 296,844.8 | 291,496.4 | 108,212.3 | 92,699.7 | 38,788.7 | 37,317.4 | 39,416.3 | 35,133.0 | 30,973.6 | 28,598.1 | 60,365.7 | 1,399,731.2 | | Resultados por Deterioro de Activos Financieros | 167,695.9 | 182,192.4 | 190,934.2 | 53,266.3 | 67,189.0 | 18,466.3 | 4,650.1 | -2,527.6 | 9,628.9 | 23,838.5 | 23,530.7 | 8,723.0 | 747,587.8 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 172,189.4 | 114,652.3 | 100,562.1 | 54,946.1 | 25,510.6 | 20,322.4 | 32,667.2 | 41,943.9 | 25,504.1 | 7,135.1 | 5,067.3 | 51,642.8 | 652,143.4 | | Ingresos (Gastos) Operativos, neto | 137,371.1 | 146,346.3 | 103,125.1 | 28,098.9 | 32,301.7 | 12,779.5 | 4,072.2 | 5,177.2 | 2,703.8 | -2,033.7 | 397.0 | 6,449.3 | 476,788.5 | | Resultado Operativo | 309,560.5 | 260,998.7 | 203,687.2 | 83,045.0 | 57,812.3 | 33,102.0 | 36,739.4 | 47,121.1 | 28,207.9 | 5,101.4 | 5,464.4 | 58,092.1 | 1,128,931.9 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 0.0 | 45,498.5 | -208.5 | 202.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 45,492.0 | | Dividendos y Retribuciones por Instrumentos de Patrimonio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ganancia por Valoración y Venta de Activos y Otros Ingresos | 10,685.1 | 12,003.5 | 330.5 | 812.1 | 42.3 | 1,007.0 | 12.9 | 97.3 | 251.2 | 1,060.7 | 12.9 | 0.0 | 26,315.5 | | Pérdida por Valoración y Venta de Activos | 311.3 | 17,366.2 | 531.9 | 1,112.0 | 0.0 | 725.8 | 385.6 | 289.7 | 135.1 | 138.0 | 71.8 | 58.1 | 21,125.5 | | Resultado después de Ingresos y Gastos operativos | 319,934.3 | 301,134.6 | 203,277.3 | 82,947.0 | 57,854.6 | 33,383.1 | 36,366.8 | 46,928.7 | 28,324.0 | 6,024.2 | 5,405.4 | 58,034.0 | 1,179,614.0 | | Ajustes netos por Diferencial Cambiario | 40,385.5 | 32,783.4 | 61,365.5 | 10,600.8 | 15,690.5 | 2,767.1 | 11,802.1 | -2,923.9 | 399.7 | -3,627.6 | 912.6 | -174.4 | 169,981.3 | | Resultado después de Diferencial Cambiario | 360,319.8 | 333,918.0 | 264,642.7 | 93,547.8 | 73,545.1 | 36,150.2 | 48,168.9 | 44,004.8 | 28,723.7 | 2,396.5 | 6,318.0 | 57,859.6 | 1,349,595.3 | | Gastos de Administración | 249,738.2 | 198,006.7 | 188,529.1 | 76,944.7 | 64,730.1 | 32,348.1 | 13,222.6 | 16,984.1 | 26,331.8 | 17,465.2 | 20,074.6 | 41,661.6 | 946,036.8 | | Resultados por Deterioro de Activos no Financieros | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,060.7 | 0.0 | 0.0 | 0.0 | 0.0 | 3,060.7 | | Resultados de operaciones antes de Impuestos y Contribuciones por Leyes Especiales | 110,581.6 | 135,911.3 | 76,113.6 | 16,603.2 | 8,815.0 | 3,802.0 | 34,946.3 | 23,960.0 | 2,391.9 | -15,068.7 | -13,756.6 | 16,198.1 | 400,497.8 | | Contribuciones por Leyes Especiales | 17,135.5 | 12,397.7 | 13,922.8 | 5,468.9 | 3,183.1 | 1,627.5 | 560.4 | 3,364.6 | 234.4 | 174.3 | 604.8 | 299.2 | 58,973.3 | | Gasto por Impuesto sobre la Renta | 28,439.0 | 20,430.8 | 23,547.0 | 3,320.5 | 3,420.7 | 801.2 | 212.7 | 6,178.6 | 858.6 | 603.2 | 488.4 | 5,116.3 | 93,417.0 | | RESULTADO DEL EJERCICIO | 65,007.0 | 103,082.8 | 38,643.8 | 7,813.7 | 2,211.2 | 1,373.3 | 34,173.2 | 14,416.8 | 1,298.9 | -15,846.3 | -14,849.8 | 10,782.6 | 248,107.5 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de éste estado financiero no ha sido auditada. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2019 C$ 32.4647 X US$ 1.00 | |
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