| | 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 | 2,348,595.3 | 1,934,206.0 | 1,752,620.5 | 846,331.5 | 656,720.3 | 252,860.5 | 163,855.7 | 138,484.9 | 213,066.8 | 136,831.1 | 184,019.0 | 360,523.4 | 8,988,115.0 | | Ingresos Financieros por Efectivo | 27,061.8 | 15,226.6 | 29,439.2 | 5,723.5 | 3,272.6 | 522.3 | 3,002.0 | 3,000.2 | 2,140.6 | 253.5 | 814.1 | 1,991.5 | 92,448.2 | | Ingresos Financieros por Inversiones | 158,340.2 | 231,648.9 | 5,473.1 | 30,997.6 | 68,437.7 | 7,653.0 | 77,327.9 | 19,612.2 | 5.5 | 0.0 | 2,057.7 | 1,294.1 | 602,847.9 | | Ingresos Financieros por Cartera de Créditos | 2,137,099.0 | 1,652,309.3 | 1,714,439.4 | 806,058.5 | 584,393.2 | 244,199.4 | 83,525.7 | 113,502.4 | 206,614.7 | 136,576.9 | 181,147.2 | 353,851.6 | 8,213,717.3 | | Otros Ingresos Financieros | 26,094.3 | 35,021.2 | 3,268.8 | 3,551.9 | 616.7 | 485.8 | 0.0 | 2,370.0 | 4,306.0 | 0.7 | 0.0 | 3,386.1 | 79,101.5 | | Gastos Financieros | 734,378.8 | 654,303.0 | 397,811.9 | 340,452.6 | 220,291.4 | 81,278.1 | 11,124.5 | 7,280.4 | 55,961.1 | 33,544.1 | 53,024.9 | 91,066.8 | 2,680,517.7 | | Gastos Financieros por Obligaciones con el Público | 316,010.6 | 222,203.4 | 193,248.9 | 138,902.3 | 96,011.8 | 53,316.8 | 0.0 | 6,976.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,026,670.5 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 24,856.8 | 26,469.6 | 85,542.0 | 26,263.9 | 0.0 | 16,631.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 179,763.5 | | Gastos Financieros por Emisión de Deuda | 2,041.9 | 0.0 | 0.0 | 11,396.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,445.6 | 338.8 | 177.4 | 0.0 | 15,400.2 | | Gastos Financieros por Operaciones de Reporto | 134,189.1 | 83,628.3 | 2,314.7 | 21,007.4 | 11,825.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 252,964.5 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 194,676.8 | 224,797.7 | 106,642.5 | 112,265.5 | 85,669.3 | 10,295.3 | 11,124.5 | 264.4 | 52,465.5 | 28,377.5 | 43,619.8 | 80,614.7 | 950,813.2 | | 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 | 15,838.4 | 5,435.6 | 0.0 | 4,150.0 | 11,449.5 | 711.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37,585.3 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 45,696.2 | 91,186.1 | 0.0 | 18,459.0 | 14,281.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,373.6 | 4,316.5 | 9,144.9 | 187,457.4 | | Otros Gastos Financieros | 1,069.1 | 582.3 | 10,063.8 | 8,008.0 | 1,054.9 | 323.0 | 0.0 | 39.4 | 2,050.0 | 454.2 | 4,911.3 | 1,307.2 | 29,863.1 | | Margen Financiero antes de Mantenimiento de Valor | 1,614,216.5 | 1,279,903.0 | 1,354,808.6 | 505,878.9 | 436,428.9 | 171,582.4 | 152,731.2 | 131,204.5 | 157,105.7 | 103,286.9 | 130,994.1 | 269,456.6 | 6,307,597.2 | | Ajustes netos por Mantenimiento de Valor | -7,462.5 | 49,599.2 | -79,061.8 | -4,164.3 | 13,553.6 | 2,574.7 | 32,094.7 | 24,495.6 | 8,226.3 | 22,712.6 | -281.9 | 3,197.0 | 65,483.2 | | Margen Financiero, bruto | 1,606,754.0 | 1,329,502.2 | 1,275,746.8 | 501,714.6 | 449,982.5 | 174,157.1 | 184,825.9 | 155,700.1 | 165,332.0 | 125,999.6 | 130,712.2 | 272,653.6 | 6,373,080.4 | | Resultados por Deterioro de Activos Financieros | 660,534.5 | 750,823.3 | 683,079.1 | 218,381.2 | 319,054.3 | 76,760.6 | 115,313.4 | 12,939.3 | 76,879.3 | 64,228.8 | 154,233.3 | 195,934.7 | 3,328,161.8 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 946,219.5 | 578,678.9 | 592,667.7 | 283,333.4 | 130,928.2 | 97,396.5 | 69,512.4 | 142,760.8 | 88,452.7 | 61,770.8 | -23,521.1 | 76,718.9 | 3,044,918.6 | | Ingresos (Gastos) Operativos, neto | 578,974.0 | 532,438.0 | 597,921.0 | 113,591.7 | 185,943.7 | 59,477.5 | 8,699.3 | 18,943.8 | 11,876.3 | -5,241.2 | 4,199.9 | 12,173.3 | 2,118,997.3 | | Resultado Operativo | 1,525,193.5 | 1,111,116.8 | 1,190,588.7 | 396,925.1 | 316,871.9 | 156,874.0 | 78,211.8 | 161,704.6 | 100,329.0 | 56,529.5 | -19,321.2 | 88,892.2 | 5,163,915.9 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 0.0 | 198,646.2 | 1,436.4 | 187.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200,269.7 | | 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 | 39,349.1 | 47,186.7 | 12,076.6 | 5,566.9 | 213.2 | 7,230.9 | 1,542.5 | 156.2 | 894.9 | 2,369.9 | 507.3 | 100.0 | 117,194.0 | | Pérdida por Valoración y Venta de Activos | 11,858.5 | 56,260.3 | 9,377.2 | 10,788.3 | 133.5 | 1,391.5 | 2,741.2 | 4,363.0 | 1,596.1 | 1,657.0 | 1,317.2 | 293.9 | 101,777.6 | | Resultado después de Ingresos y Gastos operativos | 1,552,684.2 | 1,300,689.4 | 1,194,724.5 | 391,890.8 | 316,951.6 | 162,713.4 | 77,013.1 | 157,497.8 | 99,627.7 | 57,242.4 | -20,131.2 | 88,698.3 | 5,379,602.0 | | Ajustes netos por Diferencial Cambiario | 200,455.3 | 109,368.7 | 295,671.3 | 51,074.0 | 24,316.0 | 14,144.6 | 57,744.5 | -4,369.7 | -436.1 | -15,334.2 | 5,149.6 | 3,208.3 | 740,992.3 | | Resultado después de Diferencial Cambiario | 1,753,139.5 | 1,410,058.1 | 1,490,395.8 | 442,964.8 | 341,267.6 | 176,858.0 | 134,757.5 | 153,128.1 | 99,191.7 | 41,908.3 | -14,981.6 | 91,906.6 | 6,120,594.3 | | Gastos de Administración | 1,241,412.2 | 807,086.7 | 876,484.4 | 364,629.9 | 306,880.5 | 160,765.7 | 74,783.2 | 84,873.2 | 136,214.4 | 87,181.2 | 98,821.0 | 202,131.1 | 4,441,263.3 | | Resultados por Deterioro de Activos no Financieros | 608.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 608.3 | | Resultados de operaciones antes de Impuestos y Contribuciones por Leyes Especiales | 511,119.0 | 602,971.5 | 613,911.4 | 78,334.9 | 34,387.0 | 16,092.4 | 59,974.3 | 68,255.0 | -37,022.7 | -45,272.9 | -113,802.6 | -110,224.6 | 1,678,722.6 | | Contribuciones por Leyes Especiales | 80,685.5 | 59,982.5 | 65,622.0 | 25,609.8 | 15,981.7 | 7,719.6 | 2,280.5 | 21,867.2 | 994.9 | 740.4 | 983.0 | 1,495.9 | 283,962.9 | | Gasto por Impuesto sobre la Renta | 130,430.9 | 90,437.3 | 176,270.5 | 18,573.7 | 11,254.7 | 3,839.0 | 1,133.2 | 14,722.9 | 8,657.1 | 2,678.8 | 4,607.1 | 9,682.9 | 472,288.0 | | RESULTADO DEL EJERCICIO | 300,002.6 | 452,551.7 | 372,018.9 | 34,151.5 | 7,150.7 | 4,533.7 | 56,560.6 | 31,664.9 | -46,674.7 | -48,692.1 | -119,392.7 | -121,403.3 | 922,471.7 |
| | 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 MAYO DE 2019 C$ 32.9897 X US$ 1.00 | |
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