| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos Financieros | 3,774,054.8 | 3,040,869.1 | 2,750,324.0 | 1,343,163.8 | 1,022,342.9 | 394,342.6 | 267,883.6 | 329,094.2 | 191,523.4 | 296,478.7 | 558,507.9 | 13,968,585.0 | | Ingresos Financieros por Efectivo | 52,086.3 | 25,986.5 | 63,435.1 | 12,268.4 | 5,713.5 | 1,065.4 | 5,432.9 | 3,303.1 | 365.4 | 1,172.2 | 3,080.2 | 173,909.2 | | Ingresos Financieros por Inversiones | 261,351.3 | 375,749.9 | 6,039.8 | 48,552.4 | 110,483.9 | 13,703.2 | 129,360.3 | 8.9 | 0.0 | 3,391.8 | 2,043.1 | 950,684.5 | | Ingresos Financieros por Cartera de Créditos | 3,418,441.2 | 2,533,882.7 | 2,674,325.6 | 1,275,603.1 | 904,248.5 | 378,774.5 | 133,090.4 | 318,753.0 | 191,156.6 | 291,914.7 | 548,667.7 | 12,668,857.9 | | Otros Ingresos Financieros | 42,176.0 | 105,250.0 | 6,523.5 | 6,740.0 | 1,897.0 | 799.5 | 0.0 | 7,029.2 | 1.4 | 0.0 | 4,716.9 | 175,133.5 | | Gastos Financieros | 1,194,898.6 | 1,048,999.9 | 621,398.2 | 543,586.5 | 355,313.5 | 124,256.0 | 17,806.1 | 87,127.0 | 51,563.0 | 66,440.2 | 137,177.3 | 4,248,566.5 | | Gastos Financieros por Obligaciones con el Público | 524,123.6 | 356,789.2 | 308,493.6 | 227,681.8 | 164,617.7 | 82,293.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,663,999.0 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 46,529.1 | 43,468.4 | 138,473.8 | 39,775.8 | 0.0 | 25,931.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 294,178.5 | | Gastos Financieros por Emisión de Deuda | 3,282.6 | 0.0 | 0.0 | 18,225.5 | 0.0 | 0.0 | 0.0 | 1,650.2 | 338.8 | 177.4 | 0.0 | 23,674.5 | | Gastos Financieros por Operaciones de Reporto | 205,656.4 | 122,145.5 | 2,155.6 | 32,651.9 | 22,290.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 384,899.6 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 314,178.1 | 373,821.9 | 160,186.0 | 174,727.5 | 128,028.8 | 14,436.6 | 17,806.1 | 82,229.9 | 43,569.7 | 54,495.8 | 121,908.0 | 1,485,388.2 | | 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 | | Gastos Financieros por Obligaciones con el Banco Central de Nicaragua | 26,921.7 | 7,988.3 | 0.0 | 7,422.7 | 16,039.4 | 1,141.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 59,514.0 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 73,138.0 | 143,757.3 | 0.0 | 28,703.4 | 22,940.9 | 0.0 | 0.0 | 0.0 | 7,076.2 | 3,841.6 | 13,216.9 | 292,674.4 | | Otros Gastos Financieros | 1,069.1 | 1,029.5 | 12,089.3 | 14,397.9 | 1,396.5 | 452.9 | 0.0 | 3,247.0 | 578.3 | 7,925.5 | 2,052.3 | 44,238.4 | | Margen Financiero antes de Mantenimiento de Valor | 2,579,156.2 | 1,991,869.1 | 2,128,925.8 | 799,577.3 | 667,029.4 | 270,086.6 | 250,077.5 | 241,967.2 | 139,960.4 | 230,038.5 | 421,330.6 | 9,720,018.5 | | Ajustes netos por Mantenimiento de Valor | -1,025.6 | 53,051.3 | -134,676.6 | -7,491.4 | 36,980.8 | 5,631.5 | 52,048.1 | 13,207.6 | 33,275.6 | -542.8 | 4,606.2 | 55,064.9 | | Margen Financiero, bruto | 2,578,130.5 | 2,044,920.5 | 1,994,249.2 | 792,085.9 | 704,010.2 | 275,718.1 | 302,125.6 | 255,174.8 | 173,236.0 | 229,495.7 | 425,936.8 | 9,775,083.4 | | Resultados por Deterioro de Activos Financieros | 995,316.4 | 1,044,939.2 | 1,069,298.2 | 330,319.5 | 438,954.5 | 120,090.2 | 116,516.1 | 126,439.3 | 114,548.3 | 183,810.5 | 263,212.8 | 4,803,445.1 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 1,582,814.1 | 999,981.2 | 924,950.9 | 461,766.4 | 265,055.7 | 155,627.9 | 185,609.5 | 128,735.6 | 58,687.7 | 45,685.3 | 162,724.0 | 4,971,638.3 | | Ingresos (Gastos) Operativos, neto | 901,655.8 | 789,920.9 | 944,564.5 | 156,763.5 | 248,253.7 | 90,527.9 | 12,966.6 | 20,962.2 | -6,858.6 | 7,680.2 | 19,283.4 | 3,185,720.2 | | Resultado Operativo | 2,484,469.9 | 1,789,902.2 | 1,869,515.5 | 618,530.0 | 513,309.4 | 246,155.8 | 198,576.0 | 149,697.8 | 51,829.1 | 53,365.5 | 182,007.4 | 8,157,358.5 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 0.0 | 256,200.4 | 4,240.8 | 777.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 261,218.4 | | 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 | | Ganancia por Valoración y Venta de Activos y Otros Ingresos | 50,850.9 | 151,782.1 | 17,736.8 | 14,700.8 | 328.6 | 13,191.3 | 1,582.3 | 1,224.0 | 2,952.3 | 780.4 | 220.0 | 255,349.5 | | Pérdida por Valoración y Venta de Activos | 30,002.6 | 104,970.0 | 12,117.5 | 23,573.7 | 1,859.4 | 3,473.7 | 4,871.9 | 2,638.5 | 4,414.9 | 1,689.4 | 372.3 | 189,984.0 | | Resultado después de Ingresos y Gastos operativos | 2,505,318.2 | 2,092,914.6 | 1,879,375.5 | 610,434.3 | 511,778.6 | 255,873.5 | 195,286.4 | 148,283.3 | 50,366.4 | 52,456.4 | 181,855.0 | 8,483,942.4 | | Ajustes netos por Diferencial Cambiario | 326,477.4 | 209,586.3 | 488,598.5 | 82,662.2 | 16,191.1 | 23,744.3 | 93,245.8 | -1,567.9 | -22,600.6 | 8,790.3 | 6,212.1 | 1,231,339.5 | | Resultado después de Diferencial Cambiario | 2,831,795.6 | 2,302,501.0 | 2,367,974.0 | 693,096.5 | 527,969.7 | 279,617.8 | 288,532.2 | 146,715.4 | 27,765.8 | 61,246.7 | 188,067.2 | 9,715,281.8 | | Gastos de Administración | 1,990,411.3 | 1,337,816.4 | 1,407,662.0 | 577,745.2 | 476,850.5 | 253,876.3 | 128,216.4 | 215,979.9 | 128,316.5 | 154,432.3 | 322,606.0 | 6,993,912.7 | | 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 | | Resultados de operaciones antes de Impuestos y Contribuciones por Leyes Especiales | 841,384.2 | 964,684.5 | 960,312.0 | 115,351.3 | 51,119.2 | 25,741.5 | 160,315.8 | -69,264.5 | -100,550.6 | -93,185.5 | -134,538.8 | 2,721,369.1 | | Contribuciones por Leyes Especiales | 127,341.3 | 98,933.8 | 103,645.4 | 40,368.7 | 25,659.7 | 12,213.8 | 3,648.8 | 1,521.0 | 1,132.2 | 1,310.7 | 2,393.4 | 418,168.7 | | Gasto por Impuesto sobre la Renta | 216,469.8 | 147,805.3 | 276,116.8 | 26,888.1 | 15,818.4 | 6,039.3 | 21,769.4 | 14,694.1 | 4,497.2 | 8,097.3 | 17,688.5 | 755,884.2 | | RESULTADO DEL EJERCICIO | 497,573.2 | 717,945.4 | 580,549.7 | 48,094.5 | 9,641.2 | 7,488.4 | 134,897.7 | -85,479.5 | -106,180.0 | -102,593.5 | -154,620.7 | 1,547,316.2 |
| | 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 AGOSTO DE 2019 C$ 33.3979 X US$ 1.00 | | 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. |
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