| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | Banco Atlántida | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos Financieros | 5,199,104.1 | 4,093,964.5 | 3,702,477.9 | 1,813,671.7 | 1,385,393.6 | 531,672.5 | 373,647.3 | 3,308.1 | 438,101.9 | 233,376.4 | 410,179.1 | 736,638.4 | 18,921,535.4 | | Ingresos Financieros por Efectivo | 74,366.3 | 35,859.6 | 101,799.6 | 17,587.4 | 7,755.2 | 1,354.7 | 9,529.2 | 34.8 | 4,246.6 | 486.7 | 1,386.5 | 3,557.6 | 257,964.1 | | Ingresos Financieros por Inversiones | 373,584.8 | 540,662.9 | 11,689.3 | 64,883.5 | 161,371.4 | 19,273.6 | 185,760.8 | 3,201.1 | 13.7 | 0.0 | 4,849.2 | 2,904.5 | 1,368,194.9 | | Ingresos Financieros por Cartera de Créditos | 4,692,861.9 | 3,359,072.0 | 3,580,157.6 | 1,719,476.9 | 1,213,299.2 | 509,771.0 | 178,357.3 | 72.2 | 424,047.6 | 232,819.9 | 403,943.4 | 724,420.2 | 17,038,299.2 | | Otros Ingresos Financieros | 58,291.2 | 158,370.0 | 8,831.5 | 11,723.8 | 2,967.8 | 1,273.2 | 0.0 | 0.0 | 9,794.0 | 69.8 | 0.0 | 5,756.0 | 257,077.3 | | Gastos Financieros | 1,695,542.1 | 1,443,805.3 | 827,626.3 | 739,078.0 | 492,517.2 | 161,151.6 | 24,504.5 | 527.2 | 117,439.9 | 54,532.8 | 69,077.4 | 180,302.9 | 5,806,105.3 | | Gastos Financieros por Obligaciones con el Público | 746,298.8 | 487,786.4 | 424,056.2 | 320,406.1 | 178,158.0 | 106,235.2 | 0.0 | 1.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,262,942.0 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 74,251.3 | 60,241.5 | 192,952.6 | 54,281.7 | 57,701.6 | 34,748.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 474,177.4 | | Gastos Financieros por Emisión de Deuda | 4,515.3 | 0.0 | 0.0 | 24,459.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,839.7 | 338.8 | 177.4 | 0.0 | 31,331.0 | | Gastos Financieros por Operaciones de Reporto | 252,350.8 | 122,759.2 | 2,155.6 | 43,045.1 | 32,314.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 452,624.6 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 465,618.3 | 564,449.9 | 197,116.0 | 229,449.1 | 162,944.0 | 18,310.3 | 24,504.5 | 0.0 | 110,760.7 | 46,103.1 | 56,132.8 | 160,033.8 | 2,035,422.5 | | 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 | 39,872.8 | 10,122.4 | 0.0 | 11,720.2 | 28,339.2 | 1,273.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 91,328.4 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 100,325.7 | 196,233.8 | 0.0 | 37,790.5 | 31,271.3 | 0.0 | 0.0 | 0.0 | 0.0 | 7,512.5 | 4,080.5 | 17,471.0 | 394,685.3 | | Otros Gastos Financieros | 12,309.1 | 2,212.1 | 11,345.9 | 17,925.5 | 1,789.2 | 583.6 | 0.0 | 526.0 | 4,839.5 | 578.3 | 8,686.8 | 2,798.1 | 63,594.1 | | Margen Financiero antes de Mantenimiento de Valor | 3,503,562.0 | 2,650,159.2 | 2,874,851.7 | 1,074,593.7 | 892,876.3 | 370,520.9 | 349,142.8 | 2,780.8 | 320,662.0 | 178,843.6 | 341,101.7 | 556,335.5 | 13,115,430.1 | | Ajustes netos por Mantenimiento de Valor | 4,942.3 | 73,679.0 | -182,346.6 | 14,883.6 | 45,960.3 | 7,179.4 | 68,384.4 | -0.1 | 18,148.4 | 40,915.8 | -685.7 | 5,350.4 | 96,411.2 | | Margen Financiero, bruto | 3,508,504.2 | 2,723,838.2 | 2,692,505.1 | 1,089,477.3 | 938,836.6 | 377,700.3 | 417,527.1 | 2,780.8 | 338,810.4 | 219,759.4 | 340,416.0 | 561,685.9 | 13,211,841.3 | | Resultados por Deterioro de Activos Financieros | 1,289,136.4 | 1,152,228.2 | 1,358,379.6 | 439,253.2 | 519,288.8 | 157,719.0 | 119,551.5 | 169.4 | 159,900.8 | 140,408.0 | 204,843.6 | 284,162.0 | 5,825,040.6 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 2,219,367.8 | 1,571,609.9 | 1,334,125.5 | 650,224.0 | 419,547.8 | 219,981.3 | 297,975.6 | 2,611.3 | 178,909.6 | 79,351.5 | 135,572.4 | 277,523.9 | 7,386,800.8 | | Ingresos (Gastos) Operativos, neto | 1,225,793.4 | 1,008,056.8 | 1,321,576.3 | 200,042.0 | 292,133.3 | 111,926.9 | 15,614.7 | -334.2 | 27,908.1 | -8,049.8 | 7,867.8 | 21,509.3 | 4,224,044.4 | | Resultado Operativo | 3,445,161.2 | 2,579,666.7 | 2,655,701.8 | 850,266.0 | 711,681.1 | 331,908.2 | 313,590.3 | 2,277.1 | 206,817.7 | 71,301.7 | 143,440.2 | 299,033.2 | 11,610,845.2 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 12,379.4 | 336,245.1 | 5,518.1 | 1,118.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 355,261.2 | | 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 | 106,533.5 | 182,716.7 | 53,227.8 | 33,413.9 | 416.3 | 21,063.6 | 3,298.5 | 0.0 | 2,011.8 | 4,937.4 | 891.5 | 648.7 | 409,159.6 | | Pérdida por Valoración y Venta de Activos | 44,914.8 | 130,815.5 | 17,171.3 | 40,100.4 | 2,676.4 | 4,860.5 | 6,892.2 | 0.0 | 3,585.1 | 5,457.0 | 2,438.5 | 373.3 | 259,285.1 | | Resultado después de Ingresos y Gastos operativos | 3,519,159.3 | 2,967,813.0 | 2,697,276.3 | 844,698.3 | 709,421.0 | 348,111.3 | 309,996.5 | 2,277.1 | 205,244.3 | 70,782.0 | 141,893.2 | 299,308.6 | 12,115,981.0 | | Ajustes netos por Diferencial Cambiario | 443,124.4 | 277,643.1 | 660,183.1 | 84,450.4 | 25,937.6 | 33,942.3 | 125,760.0 | 16,612.8 | -2,934.2 | -27,900.7 | 11,597.2 | 9,120.2 | 1,657,536.3 | | Resultado después de Diferencial Cambiario | 3,962,283.8 | 3,245,456.1 | 3,357,459.4 | 929,148.7 | 735,358.6 | 382,053.7 | 435,756.5 | 18,889.9 | 202,310.1 | 42,881.4 | 153,490.4 | 308,428.7 | 13,773,517.3 | | Gastos de Administración | 2,763,602.1 | 1,854,337.0 | 1,978,136.2 | 781,147.2 | 665,085.3 | 348,723.0 | 174,280.9 | 41,962.3 | 299,794.2 | 157,907.7 | 209,309.0 | 449,162.5 | 9,723,447.4 | | Resultados por Deterioro de Activos no Financieros | 0.0 | 911.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 911.0 | | Resultados de operaciones antes de Impuestos y Contribuciones por Leyes Especiales | 1,198,681.7 | 1,390,208.1 | 1,379,323.2 | 148,001.5 | 70,273.3 | 33,330.7 | 261,475.6 | -23,072.4 | -97,484.1 | -115,026.3 | -55,818.6 | -140,733.7 | 4,049,158.9 | | Contribuciones por Leyes Especiales | 175,546.8 | 137,645.0 | 142,969.8 | 55,682.9 | 35,401.4 | 16,853.6 | 5,017.1 | 2,062.4 | 2,091.3 | 1,556.8 | 1,802.2 | 3,590.1 | 580,219.5 | | Gasto por Impuesto sobre la Renta | 311,092.0 | 266,142.4 | 397,812.4 | 35,495.8 | 21,884.0 | 7,991.6 | 49,864.1 | 36.7 | 19,916.0 | 6,188.5 | 11,691.2 | 24,481.0 | 1,152,595.7 | | RESULTADO DEL EJERCICIO | 712,042.8 | 986,420.7 | 838,541.0 | 56,822.8 | 12,987.8 | 8,485.5 | 206,594.4 | -25,171.5 | -119,491.4 | -122,771.6 | -69,312.0 | -168,804.9 | 2,316,343.7 |
| | 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 30 DE NOVIEMBRE DE 2019 C$ 33.7532 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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