| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 2,831,131.0 | 2,530,047.8 | 2,295,265.9 | 1,148,133.9 | 785,844.8 | 387,694.9 | 1,189.1 | 310,098.6 | 252,287.3 | 187,003.1 | 10,728,696.5 | | Ingresos financieros por disponibilidades | 1,882.7 | 1,238.9 | 406.8 | 1,730.3 | 154.0 | 2.8 | 0.0 | 560.1 | 481.8 | 475.0 | 6,932.3 | | Ingresos por inversiones en valores | 312,621.9 | 241,625.4 | 17,012.0 | 54,339.7 | 18,477.1 | 0.0 | 730.2 | 35.4 | 0.0 | 3,680.4 | 648,522.1 | | Ingresos financieros por cartera de creditos | 2,474,653.2 | 2,209,970.0 | 2,266,925.9 | 1,085,561.3 | 766,077.2 | 387,580.1 | 157.1 | 307,903.0 | 251,787.6 | 182,821.5 | 9,933,437.0 | | Ingresos financieros por operaciones de Reportos y valores derivados | 4,389.2 | 777.4 | 455.8 | 969.3 | 0.0 | 0.3 | 301.8 | 0.0 | 0.0 | 26.1 | 6,919.9 | | Otros ingresos financieros | 37,584.0 | 76,436.2 | 10,465.4 | 5,533.3 | 1,136.5 | 111.8 | 0.0 | 1,600.2 | 17.8 | 0.0 | 132,885.1 | | | | | | | | | | | | | | | Gastos financieros | 612,559.9 | 576,119.8 | 425,685.5 | 321,986.5 | 123,416.0 | 68,675.5 | 458.4 | 72,244.3 | 45,791.7 | 51,825.4 | 2,298,763.1 | | Gastos financieros por obligaciones con el público | 447,946.7 | 348,002.2 | 377,862.9 | 208,804.2 | 117,586.2 | 49,383.2 | 88.1 | 5,079.9 | 0.0 | 0.0 | 1,554,753.5 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 158,949.3 | 187,585.3 | 40,622.1 | 84,005.4 | 0.2 | 11,896.3 | 370.3 | 59,841.8 | 43,450.5 | 49,020.4 | 635,741.7 | | Gastos financieros por otras cuentas por pagar | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.3 | 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 | 1,833.3 | 37,561.4 | 0.0 | 25,673.0 | 0.0 | 7,396.0 | 0.0 | 0.0 | 486.5 | 0.0 | 72,950.2 | | Gastos financieros por operaciones de valores y derivados | 506.6 | 2,247.0 | 2,714.2 | 0.0 | 1,003.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,470.9 | | Otros gastos financieros | 3,324.1 | 724.0 | 4,486.3 | 3,503.9 | 4,826.4 | 0.0 | 0.0 | 7,318.2 | 1,854.7 | 2,804.9 | 28,842.5 | | Margen financiero antes de ajuste monetario | 2,218,571.1 | 1,953,928.0 | 1,869,580.4 | 826,147.4 | 662,428.8 | 319,019.4 | 730.7 | 237,854.3 | 206,495.6 | 135,177.7 | 8,429,933.4 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 208,212.7 | 192,375.2 | 230,840.5 | 75,059.9 | 42,527.7 | 4,912.6 | 6,500.9 | 15,723.1 | 13,329.2 | 997.7 | 790,479.5 | | Margen financiero bruto | 2,426,783.8 | 2,146,303.3 | 2,100,420.8 | 901,207.2 | 704,956.5 | 323,932.0 | 7,231.6 | 253,577.5 | 219,824.8 | 136,175.5 | 9,220,412.9 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -235,141.8 | -197,650.7 | -163,456.5 | -129,226.8 | -205,652.2 | -8,108.9 | -89.2 | -16,921.9 | -25,311.2 | -12,587.5 | -994,146.5 | | Margen financiero, neto | 2,191,642.0 | 1,948,652.6 | 1,936,964.4 | 771,980.4 | 499,304.3 | 315,823.2 | 7,142.4 | 236,655.6 | 194,513.6 | 123,587.9 | 8,226,266.4 | | Ingresos (Gastos) operativos diversos, neto 1\ | 836,409.5 | 559,401.1 | 693,662.6 | 172,781.8 | 159,839.5 | 45,837.4 | 23,107.5 | 12,166.0 | 8,085.0 | 13,863.2 | 2,525,153.6 | | Ingresos operativos diversos | 905,102.8 | 788,340.1 | 817,257.6 | 291,542.5 | 190,355.1 | 58,679.0 | 26,576.7 | 17,787.3 | 9,632.4 | 15,036.1 | 3,120,309.7 | | Gastos operativos diversos | 68,693.2 | 228,939.0 | 123,595.0 | 118,760.7 | 30,515.6 | 12,841.6 | 3,469.2 | 5,621.3 | 1,547.3 | 1,173.0 | 595,156.0 | | Resultado operativo bruto | 3,028,051.6 | 2,508,053.6 | 2,630,627.0 | 944,762.3 | 659,143.8 | 361,660.5 | 30,249.9 | 248,821.6 | 202,598.6 | 137,451.1 | 10,751,420.0 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 238.1 | 2,961.9 | 2,323.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,523.5 | | Gastos de administración | 1,777,127.4 | 1,276,819.0 | 1,419,005.6 | 583,892.6 | 606,179.7 | 281,188.8 | 59,507.0 | 198,831.2 | 174,456.7 | 134,433.4 | 6,511,441.5 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 1,250,924.2 | 1,231,472.7 | 1,214,583.2 | 363,193.2 | 52,964.1 | 80,471.8 | -29,257.1 | 49,990.4 | 28,142.0 | 3,017.7 | 4,245,502.1 | | Contribuciones por leyes especiales (564 y 563) | 112,420.0 | 82,593.0 | 74,215.2 | 31,958.8 | 16,749.0 | 7,649.0 | 2,635.1 | 741.0 | 492.5 | 734.8 | 330,188.4 | | Gasto por Impuesto sobre la renta (Ley 453) | 332,520.8 | 331,070.0 | 354,147.7 | 98,017.0 | 18,709.4 | 22,292.6 | 0.0 | 16,871.9 | 9,582.3 | 0.0 | 1,183,211.7 | | Resultados del período | 805,983.3 | 817,809.7 | 786,220.3 | 233,217.4 | 17,505.7 | 50,530.2 | -31,892.2 | 32,377.5 | 18,067.1 | 2,282.8 | 2,732,101.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2014 C$ 26.2733 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2015 C$ 27.5869 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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