| | 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 | 2,812,747.4 | 2,306,452.8 | 2,086,193.1 | 1,010,786.8 | 782,966.6 | 299,906.3 | 196,187.7 | 153,703.3 | 251,811.0 | 156,502.7 | 221,250.7 | 432,183.9 | 10,710,692.2 | | Ingresos Financieros por Efectivo | 34,464.5 | 19,605.3 | 36,733.7 | 7,880.1 | 4,033.1 | 619.0 | 3,856.1 | 3,000.2 | 2,575.8 | 290.6 | 959.0 | 2,430.0 | 116,447.4 | | Ingresos Financieros por Inversiones | 192,842.4 | 277,808.6 | 5,525.5 | 36,609.1 | 82,970.2 | 9,604.6 | 94,135.6 | 19,621.3 | 6.6 | 0.0 | 2,381.1 | 1,532.8 | 723,037.8 | | Ingresos Financieros por Cartera de Créditos | 2,553,316.3 | 1,952,433.4 | 2,038,380.3 | 961,479.5 | 695,340.2 | 289,169.7 | 98,195.9 | 128,711.7 | 244,005.2 | 156,211.3 | 217,910.5 | 424,376.2 | 9,759,530.2 | | Otros Ingresos Financieros | 32,124.3 | 56,605.6 | 5,553.6 | 4,818.1 | 623.2 | 513.1 | 0.0 | 2,370.0 | 5,223.5 | 0.7 | 0.0 | 3,844.9 | 111,676.9 | | Gastos Financieros | 886,776.0 | 782,395.9 | 470,627.8 | 407,299.7 | 265,051.5 | 95,766.6 | 13,267.9 | 7,397.4 | 66,407.0 | 39,554.2 | 63,344.3 | 106,937.6 | 3,204,826.0 | | Gastos Financieros por Obligaciones con el Público | 383,085.2 | 265,939.3 | 230,810.1 | 167,855.7 | 117,432.1 | 63,193.8 | 0.0 | 7,065.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,235,381.8 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 31,082.9 | 31,919.5 | 102,610.2 | 30,736.9 | 0.0 | 19,710.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 216,059.5 | | Gastos Financieros por Emisión de Deuda | 2,453.8 | 0.0 | 0.0 | 13,750.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1,513.5 | 338.8 | 177.4 | 0.0 | 18,234.4 | | Gastos Financieros por Operaciones de Reporto | 160,420.4 | 102,939.7 | 2,314.7 | 23,952.7 | 15,148.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 304,775.6 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 234,712.8 | 266,369.3 | 124,619.4 | 133,497.3 | 101,108.8 | 11,643.2 | 13,267.9 | 276.8 | 62,432.9 | 33,409.4 | 53,419.8 | 94,921.2 | 1,129,678.7 | | 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 | 19,253.5 | 6,338.4 | 0.0 | 5,150.6 | 13,014.4 | 854.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 44,611.3 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 54,698.3 | 108,183.3 | 0.0 | 21,785.8 | 17,167.6 | 0.0 | 0.0 | 0.0 | 0.0 | 5,252.1 | 3,721.5 | 10,467.3 | 221,275.9 | | Otros Gastos Financieros | 1,069.1 | 706.5 | 10,273.4 | 10,569.8 | 1,180.6 | 365.1 | 0.0 | 55.0 | 2,460.5 | 553.9 | 6,025.7 | 1,549.2 | 34,808.8 | | Margen Financiero antes de Mantenimiento de Valor | 1,925,971.4 | 1,524,056.9 | 1,615,565.3 | 603,487.1 | 517,915.1 | 204,139.7 | 182,919.8 | 146,305.9 | 185,404.0 | 116,948.5 | 157,906.3 | 325,246.3 | 7,505,866.3 | | Ajustes netos por Mantenimiento de Valor | -5,845.3 | 40,630.7 | -96,934.4 | -4,294.8 | 26,763.9 | 3,500.7 | 38,636.5 | 23,098.9 | 9,724.7 | 26,362.8 | -367.0 | 3,805.3 | 65,082.2 | | Margen Financiero, bruto | 1,920,126.1 | 1,564,687.6 | 1,518,630.9 | 599,192.3 | 544,679.0 | 207,640.4 | 221,556.3 | 169,404.8 | 195,128.7 | 143,311.3 | 157,539.4 | 329,051.6 | 7,570,948.4 | | Resultados por Deterioro de Activos Financieros | 778,349.9 | 861,022.6 | 841,475.5 | 261,912.5 | 365,577.0 | 90,274.2 | 117,922.8 | 51,234.3 | 97,117.8 | 80,444.7 | 171,909.1 | 225,248.7 | 3,942,489.2 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 1,141,776.2 | 703,665.1 | 677,155.4 | 337,279.8 | 179,102.0 | 117,366.2 | 103,633.6 | 118,170.5 | 98,010.9 | 62,866.6 | -14,369.8 | 103,802.8 | 3,628,459.3 | | Ingresos (Gastos) Operativos, neto | 688,531.6 | 628,688.2 | 701,342.1 | 128,849.0 | 206,161.6 | 70,403.1 | 10,304.3 | 17,694.1 | 14,778.0 | -5,887.3 | 5,835.3 | 14,052.7 | 2,480,752.7 | | Resultado Operativo | 1,830,307.8 | 1,332,353.3 | 1,378,497.5 | 466,128.7 | 385,263.6 | 187,769.3 | 113,937.9 | 135,864.6 | 112,788.8 | 56,979.3 | -8,534.5 | 117,855.5 | 6,109,212.0 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 0.0 | 217,118.8 | 2,494.7 | 276.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 219,889.9 | | 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 | 41,248.9 | 115,260.3 | 13,607.1 | 10,795.2 | 256.4 | 8,188.9 | 1,555.7 | 156.2 | 982.1 | 2,376.3 | 577.7 | 100.0 | 195,104.6 | | Pérdida por Valoración y Venta de Activos | 14,315.9 | 80,229.0 | 9,754.3 | 13,355.6 | 137.4 | 1,507.7 | 3,214.8 | 4,618.5 | 1,623.8 | 3,975.3 | 1,464.5 | 297.9 | 134,494.8 | | Resultado después de Ingresos y Gastos operativos | 1,857,240.8 | 1,584,503.3 | 1,384,845.0 | 463,844.8 | 385,382.5 | 194,450.5 | 112,278.8 | 131,402.3 | 112,147.1 | 55,380.3 | -9,421.3 | 117,657.6 | 6,389,711.7 | | Ajustes netos por Diferencial Cambiario | 242,928.5 | 150,694.0 | 358,636.1 | 61,383.4 | 15,628.8 | 18,079.1 | 69,060.3 | -7,260.9 | -864.3 | -17,847.4 | 6,411.6 | 3,965.0 | 900,814.1 | | Resultado después de Diferencial Cambiario | 2,100,169.3 | 1,735,197.3 | 1,743,481.1 | 525,228.2 | 401,011.3 | 212,529.6 | 181,339.1 | 124,141.4 | 111,282.9 | 37,532.9 | -3,009.8 | 121,622.5 | 7,290,525.8 | | Gastos de Administración | 1,490,422.0 | 1,012,209.4 | 1,055,829.2 | 436,246.9 | 362,041.8 | 192,546.7 | 91,343.8 | 93,297.1 | 162,641.5 | 105,858.6 | 118,082.2 | 242,055.0 | 5,362,573.9 | | Resultados por Deterioro de Activos no Financieros | 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 | | Resultados de operaciones antes de Impuestos y Contribuciones por Leyes Especiales | 609,747.3 | 722,987.9 | 687,651.9 | 88,981.3 | 38,969.5 | 19,983.0 | 89,995.4 | 30,844.3 | -51,358.6 | -68,325.7 | -121,091.9 | -120,432.5 | 1,927,951.9 | | Contribuciones por Leyes Especiales | 95,348.8 | 72,942.1 | 77,561.7 | 30,212.4 | 19,200.3 | 9,138.2 | 2,736.6 | 25,269.6 | 1,140.7 | 849.2 | 983.0 | 1,795.1 | 337,177.7 | | Gasto por Impuesto sobre la Renta | 156,524.9 | 108,126.8 | 197,569.0 | 21,249.0 | 12,048.5 | 4,593.4 | 1,097.8 | 2,479.0 | 10,930.2 | 3,191.1 | 5,659.0 | 12,556.1 | 536,024.7 | | RESULTADO DEL EJERCICIO | 357,873.6 | 541,919.0 | 412,521.3 | 37,519.9 | 7,720.7 | 6,251.3 | 86,161.0 | 3,095.8 | -63,429.5 | -72,365.9 | -127,734.0 | -134,783.7 | 1,054,749.5 |
| | 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 30 DE JUNIO DE 2019 C$ 33.1222 X US$ 1.00 | |
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