| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 1,194,323.3 | 1,087,134.2 | 971,957.9 | 490,476.7 | 348,601.0 | 165,952.1 | 129,748.5 | 106,957.4 | 136.8 | 71,816.0 | 4,567,103.8 | | Ingresos financieros por disponibilidades | 1,129.7 | 410.0 | 213.1 | 687.4 | 0.0 | 2.4 | 281.4 | 181.9 | 0.0 | 359.4 | 3,265.5 | | Ingresos por inversiones en valores | 133,247.2 | 104,556.8 | 526.7 | 24,363.3 | 7,593.5 | 0.0 | 21.2 | 0.0 | 0.0 | 1,096.8 | 271,405.6 | | Ingresos financieros por cartera de creditos | 1,042,183.1 | 944,172.5 | 964,676.0 | 462,844.1 | 340,664.5 | 165,931.0 | 128,796.5 | 106,766.9 | 0.0 | 70,343.9 | 4,226,378.6 | | Ingresos financieros por operaciones de Reportos y valores derivados | 1,546.8 | 83.0 | 70.9 | 401.6 | 0.0 | 0.0 | 0.0 | 0.0 | 10.8 | 15.8 | 2,128.8 | | Otros ingresos financieros | 16,216.4 | 37,911.8 | 6,471.1 | 2,180.4 | 342.9 | 18.7 | 649.4 | 8.6 | 126.0 | 0.0 | 63,925.3 | | | | | | | | | | | | | | | Gastos financieros | 246,825.7 | 242,244.6 | 179,150.7 | 134,074.7 | 55,374.9 | 28,683.9 | 29,985.2 | 18,378.4 | 232.9 | 20,412.1 | 955,363.1 | | Gastos financieros por obligaciones con el público | 186,047.8 | 144,248.1 | 160,843.0 | 87,641.3 | 52,985.5 | 20,554.7 | 1,689.2 | 0.0 | 0.2 | 0.0 | 654,009.6 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 57,197.1 | 81,599.2 | 18,120.8 | 33,678.6 | 0.2 | 4,911.4 | 24,996.3 | 17,685.8 | 0.0 | 20,270.7 | 258,460.1 | | Gastos financieros por otras cuentas por pagar | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.3 | 0.0 | 0.0 | 0.0 | 4.3 | | Gastos financieros con oficina central y sucursales | 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 subordinadas y obligaciones convertibles en capital | 796.6 | 15,531.4 | 0.0 | 11,226.4 | 0.0 | 3,217.8 | 0.0 | 0.0 | 0.0 | 0.0 | 30,772.2 | | Gastos financieros por operaciones de valores y derivados | 23.4 | 564.8 | 0.0 | 0.0 | 370.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 958.9 | | Otros gastos financieros | 2,760.8 | 301.1 | 186.9 | 1,528.4 | 2,018.6 | 0.0 | 3,295.4 | 692.6 | 232.8 | 141.4 | 11,158.0 | | Margen financiero antes de ajuste monetario | 947,497.6 | 844,889.5 | 792,807.2 | 356,402.0 | 293,226.1 | 137,268.2 | 99,763.3 | 88,579.1 | -96.2 | 51,403.8 | 3,611,740.7 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 96,958.6 | 78,017.8 | 91,273.9 | 33,187.2 | 17,690.2 | 888.0 | 7,391.4 | 5,720.1 | 2,065.7 | 333.1 | 333,526.0 | | Margen financiero bruto | 1,044,456.2 | 922,907.3 | 884,081.1 | 389,589.3 | 310,916.3 | 138,156.1 | 107,154.7 | 94,299.1 | 1,969.6 | 51,737.0 | 3,945,266.7 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -82,628.9 | -99,494.7 | -74,896.8 | -56,445.1 | -95,957.6 | 1,120.5 | -6,341.1 | -10,438.5 | 0.0 | -4,814.4 | -429,896.6 | | Margen financiero, neto | 961,827.3 | 823,412.6 | 809,184.3 | 333,144.2 | 214,958.7 | 139,276.6 | 100,813.6 | 83,860.7 | 1,969.6 | 46,922.6 | 3,515,370.1 | | Ingresos (Gastos) operativos diversos, neto 1\ | 344,366.8 | 251,678.1 | 302,600.2 | 69,844.8 | 76,612.6 | 22,616.2 | 4,442.8 | 3,241.9 | -24.0 | 5,736.8 | 1,081,116.1 | | Ingresos operativos diversos | 365,355.1 | 341,938.8 | 347,169.0 | 113,228.1 | 88,272.4 | 28,143.1 | 7,056.2 | 3,674.6 | 0.6 | 6,324.6 | 1,301,162.5 | | Gastos operativos diversos | 20,988.3 | 90,260.7 | 44,568.8 | 43,383.3 | 11,659.8 | 5,526.8 | 2,613.4 | 432.7 | 24.6 | 587.8 | 220,046.4 | | Resultado operativo bruto | 1,306,194.1 | 1,075,090.7 | 1,111,784.5 | 402,988.9 | 291,571.3 | 161,892.8 | 105,256.3 | 87,102.6 | 1,945.5 | 52,659.4 | 4,596,486.2 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 1,436.5 | 508.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,945.1 | | Gastos de administración | 757,592.4 | 547,491.7 | 585,489.6 | 262,049.7 | 263,208.8 | 118,960.5 | 85,356.4 | 72,486.3 | 3,872.2 | 55,823.8 | 2,752,331.5 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 548,601.7 | 527,598.9 | 527,731.4 | 141,447.8 | 28,362.5 | 42,932.3 | 19,900.0 | 14,616.2 | -1,926.7 | -3,164.4 | 1,846,099.8 | | Contribuciones por leyes especiales (564 y 563) | 49,730.7 | 36,533.5 | 32,822.3 | 14,130.7 | 7,404.5 | 3,381.2 | 329.3 | 218.9 | 394.7 | 326.6 | 145,272.4 | | Gasto por Impuesto sobre la renta (Ley 453) | 146,083.3 | 137,318.4 | 153,446.1 | 36,907.7 | 6,064.6 | 12,637.3 | 6,736.1 | 4,789.5 | 0.0 | 0.0 | 503,983.0 | | Resultados del período | 352,787.7 | 353,747.0 | 341,463.0 | 90,409.3 | 14,893.5 | 26,913.8 | 12,834.5 | 9,607.8 | -2,321.3 | -3,491.0 | 1,196,844.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2014 C$ 25.7414 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2015 C$ 27.0285 X US$ 1.00 | | 1\ Se incorporaron los ingresos y gastos por operaciones de cambio y arbitraje en las cuentas correspondientes de Ingresos (gastos) operativos diversos, los que estaban incluidos en la cuenta de ingresos (gastos) netos por ajustes monetarios. |
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