| | 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 | 5,696,466.9 | 4,456,510.0 | 4,033,381.3 | 1,975,396.6 | 1,501,362.1 | 579,376.2 | 411,101.6 | 3,930.8 | 476,991.9 | 246,858.7 | 450,608.0 | 803,350.6 | 20,635,334.8 | | Ingresos Financieros por Efectivo | 83,637.8 | 37,741.7 | 109,615.0 | 19,368.7 | 8,045.7 | 1,408.2 | 10,455.3 | 47.1 | 4,422.0 | 535.3 | 1,466.8 | 3,686.5 | 280,430.1 | | Ingresos Financieros por Inversiones | 410,280.4 | 599,383.7 | 20,830.7 | 75,370.5 | 181,558.5 | 21,893.2 | 206,388.7 | 3,605.9 | 15.7 | 0.0 | 5,293.7 | 3,220.5 | 1,527,841.6 | | Ingresos Financieros por Cartera de Créditos | 5,136,930.7 | 3,632,425.3 | 3,892,588.7 | 1,867,352.3 | 1,308,205.4 | 554,801.5 | 194,257.6 | 277.7 | 461,756.1 | 246,253.4 | 443,847.5 | 790,338.8 | 18,529,035.0 | | Otros Ingresos Financieros | 65,618.0 | 186,959.3 | 10,346.9 | 13,305.1 | 3,552.4 | 1,273.2 | 0.0 | 0.0 | 10,798.2 | 70.1 | 0.0 | 6,104.9 | 298,028.2 | | Gastos Financieros | 1,861,765.5 | 1,572,268.9 | 895,603.9 | 800,715.7 | 541,888.0 | 172,876.6 | 26,783.0 | 558.9 | 127,324.5 | 54,639.2 | 69,776.7 | 195,295.2 | 6,319,496.1 | | Gastos Financieros por Obligaciones con el Público | 816,028.4 | 532,498.0 | 465,354.1 | 348,199.8 | 201,249.5 | 114,040.4 | 0.0 | 31.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,477,401.2 | | Gastos Financieros por Depósitos de Instituciones Financieras y de Organismos Internacionales | 84,870.5 | 65,751.6 | 211,698.4 | 59,313.7 | 64,323.1 | 37,450.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 523,407.3 | | Gastos Financieros por Emisión de Deuda | 4,919.5 | 0.0 | 0.0 | 26,471.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,859.1 | 338.8 | 177.4 | 0.0 | 33,766.7 | | Gastos Financieros por Operaciones de Reporto | 271,024.0 | 122,759.2 | 2,155.6 | 46,091.6 | 34,725.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 476,756.0 | | Gastos Financieros por Obligaciones con Instituciones Financieras y por Otros Financiamientos | 516,862.8 | 624,447.8 | 206,195.7 | 246,538.8 | 174,419.3 | 19,482.3 | 26,783.0 | 0.0 | 119,537.5 | 46,189.9 | 56,664.9 | 173,228.5 | 2,210,350.5 | | 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 | 44,522.2 | 10,791.4 | 0.0 | 13,356.7 | 30,558.2 | 1,275.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100,503.7 | | Gastos Financieros por Obligaciones Subordinadas y/o Convertibles en Capital | 109,641.6 | 213,460.0 | 0.0 | 40,515.2 | 34,125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,532.1 | 4,161.0 | 19,013.4 | 428,448.3 | | Otros Gastos Financieros | 13,896.5 | 2,561.0 | 10,200.1 | 20,228.1 | 2,487.5 | 628.7 | 0.0 | 527.7 | 5,927.9 | 578.3 | 8,773.4 | 3,053.3 | 68,862.4 | | Margen Financiero antes de Mantenimiento de Valor | 3,834,701.4 | 2,884,241.1 | 3,137,777.4 | 1,174,680.9 | 959,474.2 | 406,499.6 | 384,318.6 | 3,371.9 | 349,667.4 | 192,219.5 | 380,831.2 | 608,055.4 | 14,315,838.7 | | Ajustes netos por Mantenimiento de Valor | 4,009.7 | 77,690.4 | -196,102.9 | 14,041.2 | 49,546.2 | 7,371.0 | 72,579.3 | -0.2 | 19,462.0 | 42,489.2 | -578.4 | 5,657.0 | 96,164.6 | | Margen Financiero, bruto | 3,838,711.2 | 2,961,931.5 | 2,941,674.6 | 1,188,722.1 | 1,009,020.4 | 413,870.6 | 456,897.9 | 3,371.8 | 369,129.4 | 234,708.7 | 380,252.9 | 613,712.4 | 14,412,003.3 | | Resultados por Deterioro de Activos Financieros | 1,341,191.0 | 1,186,587.8 | 1,471,156.3 | 465,089.8 | 516,059.5 | 162,876.0 | 131,441.4 | 281.8 | 194,002.0 | 145,518.0 | 207,423.0 | 259,235.6 | 6,080,862.2 | | Margen Financiero, neto después de Deterioro de Activos Financieros | 2,497,520.1 | 1,775,343.7 | 1,470,518.3 | 723,632.2 | 492,960.9 | 250,994.5 | 325,456.5 | 3,089.9 | 175,127.4 | 89,190.7 | 172,829.9 | 354,476.9 | 8,331,141.1 | | Ingresos (Gastos) Operativos, neto | 1,341,941.8 | 1,095,078.8 | 1,521,116.8 | 215,739.2 | 294,187.4 | 104,970.6 | 16,473.8 | -274.6 | 29,952.5 | -8,489.3 | 7,702.1 | 24,236.4 | 4,642,635.4 | | Resultado Operativo | 3,839,461.9 | 2,870,422.5 | 2,991,635.1 | 939,371.5 | 787,148.3 | 355,965.1 | 341,930.2 | 2,815.4 | 205,080.0 | 80,701.4 | 180,531.9 | 378,713.2 | 12,973,776.5 | | Resultados por Participación en Asociadas, Negocios Conjuntos y Subsidiarias | 16,142.6 | 349,326.6 | 5,771.0 | 773.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 372,013.8 | | 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 | 129,084.6 | 193,998.0 | 53,465.9 | 36,193.9 | 703.6 | 34,203.5 | 3,629.9 | 0.0 | 2,495.3 | 5,317.8 | 913.5 | 648.7 | 460,654.7 | | Pérdida por Valoración y Venta de Activos | 59,572.6 | 140,073.6 | 18,758.9 | 47,830.1 | 5,485.4 | 9,257.3 | 7,755.5 | 0.0 | 3,985.1 | 7,332.7 | 2,868.7 | 661.4 | 303,581.3 | | Resultado después de Ingresos y Gastos operativos | 3,925,116.4 | 3,273,673.5 | 3,032,113.1 | 928,508.9 | 782,366.5 | 380,911.3 | 337,804.6 | 2,815.4 | 203,590.2 | 78,686.6 | 178,576.7 | 378,700.6 | 13,502,863.7 | | Ajustes netos por Diferencial Cambiario | 473,506.2 | 298,675.5 | 703,516.4 | 91,515.9 | 26,636.3 | 37,185.0 | 133,310.9 | 17,502.0 | -3,658.3 | -29,018.6 | 12,158.4 | 9,643.1 | 1,770,972.7 | | Resultado después de Diferencial Cambiario | 4,398,622.6 | 3,572,349.0 | 3,735,629.5 | 1,020,024.7 | 809,002.8 | 418,096.3 | 471,115.5 | 20,317.3 | 199,931.9 | 49,667.9 | 190,735.2 | 388,343.7 | 15,273,836.4 | | Gastos de Administración | 3,015,548.3 | 2,026,007.5 | 2,117,387.5 | 854,601.0 | 728,658.7 | 376,603.4 | 191,038.0 | 52,309.4 | 324,104.8 | 169,393.5 | 228,401.1 | 489,994.3 | 10,574,047.5 | | 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 | 1,383,074.4 | 1,545,430.6 | 1,618,242.0 | 165,423.7 | 80,344.0 | 41,492.9 | 280,077.5 | -31,992.1 | -124,173.0 | -119,725.6 | -37,665.9 | -101,650.6 | 4,698,878.0 | | Contribuciones por Leyes Especiales | 191,661.4 | 150,283.7 | 156,123.5 | 60,803.8 | 38,658.6 | 18,405.3 | 5,473.2 | 2,201.8 | 2,281.4 | 1,698.3 | 1,966.0 | 3,590.1 | 633,147.2 | | Gasto por Impuesto sobre la Renta | 362,311.8 | 310,132.2 | 468,800.1 | 36,781.2 | 27,539.5 | 13,881.5 | 57,275.8 | 86.7 | 20,528.1 | 7,092.9 | 12,854.9 | 26,708.1 | 1,343,992.8 | | RESULTADO DEL EJERCICIO | 829,101.1 | 1,085,014.8 | 993,318.4 | 67,838.8 | 14,145.9 | 9,206.2 | 217,328.5 | -34,280.6 | -146,982.5 | -128,516.8 | -52,486.9 | -131,948.8 | 2,721,738.1 |
| | 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 DICIEMBRE DE 2019 C$ 33.8381 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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