| | 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 | 1,877,936.9 | 1,553,119.5 | 1,412,400.5 | 680,910.6 | 529,729.1 | 207,765.1 | 129,734.2 | 119,775.4 | 171,587.3 | 113,859.0 | 146,860.1 | 280,331.5 | 7,224,009.2 | | Ingresos Financieros por Efectivo | 19,774.5 | 11,229.8 | 22,333.9 | 4,023.1 | 2,464.8 | 393.7 | 2,118.6 | 3,000.2 | 1,671.8 | 215.9 | 659.4 | 1,581.5 | 69,467.3 | | Ingresos Financieros por Inversiones | 124,368.2 | 188,183.8 | 4,689.2 | 25,466.1 | 53,788.9 | 5,889.0 | 60,541.0 | 19,603.8 | 4.4 | 0.0 | 1,831.6 | 1,042.2 | 485,408.3 | | Ingresos Financieros por Cartera de Créditos | 1,713,085.9 | 1,323,362.2 | 1,382,817.5 | 648,493.5 | 473,001.0 | 201,007.4 | 67,074.7 | 94,801.4 | 166,520.1 | 113,642.6 | 144,369.0 | 274,884.0 | 6,603,059.2 | | Otros Ingresos Financieros | 20,708.2 | 30,343.7 | 2,559.9 | 2,927.8 | 474.4 | 475.0 | 0.0 | 2,370.0 | 3,391.0 | 0.5 | 0.0 | 2,823.9 | 66,074.5 | | Gastos Financieros | 582,366.0 | 517,555.2 | 320,115.0 | 270,727.9 | 175,319.6 | 64,716.2 | 8,829.3 | 6,747.9 | 44,621.2 | 27,311.4 | 43,776.3 | 72,848.2 | 2,134,934.2 | | Gastos Financieros por Obligaciones con el Público | 250,423.7 | 176,815.4 | 154,796.5 | 109,804.8 | 76,134.4 | 42,902.8 | 0.0 | 6,512.4 | 0.0 | 0.0 | 0.0 | 0.0 | 817,390.1 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 19,195.8 | 20,895.3 | 68,403.0 | 21,743.1 | 0.0 | 13,060.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 143,297.3 | | Gastos Financieros por Emisión de Deuda | 1,631.7 | 0.0 | 0.0 | 9,065.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,202.6 | 336.3 | 177.4 | 0.0 | 12,413.3 | | Gastos Financieros por Operaciones de Reporto | 106,919.0 | 62,844.0 | 2,314.7 | 16,324.4 | 8,878.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 197,280.6 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 154,448.5 | 179,554.5 | 85,632.1 | 91,030.6 | 68,522.9 | 7,931.7 | 8,829.3 | 211.3 | 41,772.3 | 23,084.7 | 35,206.2 | 64,293.7 | 760,517.9 | | 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 | 12,247.0 | 4,505.2 | 0.0 | 3,194.0 | 9,554.7 | 565.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 30,065.9 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 36,431.2 | 72,500.6 | 0.0 | 15,035.4 | 11,311.2 | 0.0 | 0.0 | 0.0 | 0.0 | 3,469.9 | 4,104.6 | 7,496.3 | 150,349.2 | | Otros Gastos Financieros | 1,069.1 | 440.2 | 8,968.8 | 4,530.1 | 917.9 | 256.6 | 0.0 | 24.1 | 1,646.3 | 420.5 | 4,288.1 | 1,058.2 | 23,619.9 | | Margen Financiero antes de Mantenimiento de Valor | 1,295,570.8 | 1,035,564.3 | 1,092,285.5 | 410,182.7 | 354,409.5 | 143,048.8 | 120,905.0 | 113,027.5 | 126,966.1 | 86,547.6 | 103,083.8 | 207,483.4 | 5,089,075.1 | | Ajustes netos por Mantenimiento de Valor | -7,727.4 | 32,422.0 | -63,879.4 | -3,569.9 | 16,840.0 | 1,856.3 | 25,424.6 | 26,641.1 | 6,626.6 | 18,640.3 | -163.7 | 2,722.0 | 55,832.6 | | Margen Financiero, bruto | 1,287,843.4 | 1,067,986.3 | 1,028,406.1 | 406,612.8 | 371,249.5 | 144,905.2 | 146,329.6 | 139,668.6 | 133,592.7 | 105,187.9 | 102,920.1 | 210,205.4 | 5,144,907.6 | | Resultados por Deterioro de Activos Financieros | 527,337.5 | 584,846.3 | 559,526.3 | 171,481.2 | 276,692.8 | 64,533.5 | 68,269.0 | 913.3 | 52,865.8 | 55,382.9 | 122,872.2 | 155,753.2 | 2,640,474.1 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 760,505.9 | 483,140.0 | 468,879.7 | 235,131.6 | 94,556.7 | 80,371.6 | 78,060.5 | 138,755.4 | 80,726.8 | 49,805.1 | -19,952.1 | 54,452.2 | 2,504,433.6 | | Ingresos (Gastos) Operativos, neto | 465,685.4 | 421,972.3 | 481,658.1 | 92,193.5 | 162,112.8 | 45,986.9 | 7,973.3 | 18,782.7 | 9,502.5 | -4,664.1 | 2,299.1 | 11,553.3 | 1,715,055.8 | | Resultado Operativo | 1,226,191.3 | 905,112.4 | 950,537.8 | 327,325.1 | 256,669.5 | 126,358.6 | 86,033.9 | 157,538.1 | 90,229.3 | 45,141.0 | -17,653.0 | 66,005.5 | 4,219,489.4 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 0.0 | 173,295.1 | 1,060.4 | 546.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 174,901.7 | | 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 | 29,373.0 | 39,898.0 | 10,040.1 | 2,876.7 | 170.1 | 5,585.9 | 1,529.3 | 156.2 | 887.2 | 2,099.6 | 13.4 | 0.1 | 92,629.6 | | Pérdida por Valoración y Venta de Activos | 7,579.6 | 43,448.2 | 7,310.6 | 9,563.2 | 26.0 | 686.8 | 1,814.4 | 2,932.3 | 1,335.3 | 1,089.5 | 832.9 | 91.5 | 76,710.4 | | Resultado después de Ingresos y Gastos operativos | 1,247,984.7 | 1,074,857.2 | 954,327.7 | 321,184.8 | 256,813.7 | 131,257.6 | 85,748.8 | 154,762.0 | 89,781.2 | 46,151.1 | -18,472.6 | 65,914.0 | 4,410,310.3 | | Ajustes netos por Diferencial Cambiario | 158,854.6 | 92,861.0 | 234,563.9 | 40,368.6 | 17,124.9 | 11,191.5 | 45,837.4 | -4,779.4 | -261.0 | -12,597.4 | 3,780.4 | 2,391.6 | 589,336.0 | | Resultado después de Diferencial Cambiario | 1,406,839.3 | 1,167,718.2 | 1,188,891.6 | 361,553.4 | 273,938.6 | 142,449.1 | 131,586.1 | 149,982.5 | 89,520.2 | 33,553.8 | -14,692.2 | 68,305.7 | 4,999,646.3 | | Gastos de Administración | 995,835.3 | 679,885.3 | 698,870.5 | 294,019.6 | 246,014.3 | 128,744.1 | 59,592.2 | 71,421.3 | 109,550.1 | 70,346.2 | 80,483.9 | 163,511.1 | 3,598,273.8 | | 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 | 410,395.6 | 487,832.9 | 490,021.1 | 67,533.8 | 27,924.3 | 13,705.1 | 71,993.9 | 78,561.3 | -20,029.9 | -36,792.4 | -95,176.1 | -95,205.4 | 1,400,764.1 | | Contribuciones por Leyes Especiales | 66,050.9 | 48,609.1 | 53,705.4 | 21,017.9 | 12,772.6 | 6,304.3 | 1,824.4 | 18,473.9 | 849.0 | 631.7 | 856.9 | 1,196.7 | 232,292.8 | | Gasto por Impuesto sobre la Renta | 104,264.3 | 74,597.8 | 139,972.0 | 15,683.9 | 9,012.1 | 3,146.0 | 1,093.5 | 18,832.8 | 6,258.0 | 1,892.6 | 3,345.1 | 6,671.3 | 384,769.2 | | RESULTADO DEL EJERCICIO | 240,080.5 | 364,626.1 | 296,343.6 | 30,832.0 | 6,139.6 | 4,254.8 | 69,076.1 | 41,254.7 | -27,136.9 | -39,316.7 | -99,378.1 | -103,073.3 | 783,702.2 |
| | 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 30 DE ABRIL DE 2019 C$ 32.8533 X US$ 1.00 | |
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