| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 3,183,799.3 | 2,832,090.8 | 2,580,558.5 | 1,289,659.7 | 874,949.9 | 433,462.0 | 4,159.6 | 349,693.3 | 283,759.7 | 214,267.6 | 12,046,400.4 | | Ingresos financieros por disponibilidades | 1,940.3 | 1,344.8 | 427.1 | 2,051.2 | 164.4 | 2.8 | 0.0 | 611.4 | 568.7 | 493.0 | 7,603.7 | | Ingresos por inversiones en valores | 350,682.7 | 264,583.5 | 21,644.2 | 60,539.9 | 20,551.7 | 0.0 | 822.7 | 35.4 | 0.0 | 4,225.8 | 723,086.0 | | Ingresos financieros por cartera de creditos | 2,782,042.3 | 2,479,656.1 | 2,546,466.0 | 1,219,761.4 | 852,959.8 | 433,347.2 | 1,065.6 | 347,244.2 | 283,172.1 | 209,522.6 | 11,155,237.2 | | Ingresos financieros por operaciones de Reportos y valores derivados | 5,161.8 | 1,275.6 | 455.8 | 1,273.6 | 24.8 | 0.3 | 436.9 | 0.0 | 0.0 | 26.1 | 8,654.8 | | Otros ingresos financieros | 43,972.2 | 85,230.9 | 11,565.4 | 6,033.6 | 1,249.1 | 111.8 | 1,834.4 | 1,802.4 | 19.0 | 0.0 | 151,818.6 | | | | | | | | | | | | | | | Gastos financieros | 691,423.2 | 646,280.4 | 479,085.7 | 363,457.4 | 139,033.4 | 77,843.1 | 548.9 | 81,434.1 | 52,387.8 | 58,833.4 | 2,590,327.4 | | Gastos financieros por obligaciones con el público | 505,049.8 | 391,410.1 | 421,847.8 | 235,762.5 | 131,822.6 | 55,784.7 | 123.9 | 5,798.3 | 0.0 | 0.0 | 1,747,599.9 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 180,559.9 | 208,825.9 | 47,263.6 | 95,103.4 | 104.7 | 13,805.4 | 425.0 | 67,498.1 | 49,233.7 | 55,875.4 | 718,695.2 | | 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 | 1,981.1 | 42,555.6 | 0.0 | 28,610.9 | 0.0 | 8,253.0 | 0.0 | 0.0 | 990.7 | 0.0 | 82,391.3 | | Gastos financieros por operaciones de valores y derivados | 506.6 | 2,705.6 | 3,975.0 | 0.0 | 1,014.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,201.9 | | Otros gastos financieros | 3,325.7 | 783.3 | 5,999.2 | 3,980.6 | 6,091.3 | 0.0 | 0.0 | 8,133.3 | 2,163.4 | 2,958.0 | 33,434.9 | | Margen financiero antes de ajuste monetario | 2,492,376.1 | 2,185,810.4 | 2,101,472.9 | 926,202.3 | 735,916.5 | 355,618.9 | 3,610.6 | 268,259.2 | 231,371.9 | 155,434.2 | 9,456,073.0 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 231,703.5 | 215,691.9 | 260,101.4 | 83,295.2 | 47,570.8 | 5,851.6 | 6,877.0 | 17,830.3 | 15,096.8 | 1,207.0 | 885,225.6 | | Margen financiero bruto | 2,724,079.6 | 2,401,502.3 | 2,361,574.3 | 1,009,497.5 | 783,487.3 | 361,470.5 | 10,487.6 | 286,089.6 | 246,468.6 | 156,641.1 | 10,341,298.6 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -253,216.9 | -219,429.3 | -194,542.9 | -140,148.3 | -231,404.5 | -10,129.9 | -3,126.4 | -20,386.9 | -28,970.2 | -14,519.9 | -1,115,875.1 | | Margen financiero, neto | 2,470,862.7 | 2,182,073.0 | 2,167,031.4 | 869,349.2 | 552,082.9 | 351,340.6 | 7,361.2 | 265,702.7 | 217,498.5 | 142,121.2 | 9,225,423.5 | | Ingresos (Gastos) operativos diversos, neto 1\ | 932,399.3 | 631,922.4 | 774,684.3 | 190,861.0 | 176,392.0 | 49,592.7 | 26,052.5 | 14,310.4 | 8,900.8 | 15,458.4 | 2,820,573.8 | | Ingresos operativos diversos | 1,012,481.3 | 890,914.0 | 929,886.7 | 330,331.7 | 210,773.6 | 63,841.1 | 34,027.1 | 20,537.3 | 10,925.5 | 16,678.2 | 3,520,396.5 | | Gastos operativos diversos | 80,082.0 | 258,991.6 | 155,202.4 | 139,470.7 | 34,381.6 | 14,248.4 | 7,974.6 | 6,226.9 | 2,024.7 | 1,219.8 | 699,822.7 | | Resultado operativo bruto | 3,403,262.0 | 2,813,995.4 | 2,941,715.7 | 1,060,210.2 | 728,474.9 | 400,933.4 | 33,413.7 | 280,013.1 | 226,399.3 | 157,579.6 | 12,045,997.3 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 238.1 | 3,153.2 | 2,667.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,059.2 | | Gastos de administración | 1,998,303.4 | 1,429,074.0 | 1,594,753.0 | 650,826.2 | 670,091.5 | 313,491.3 | 72,302.8 | 223,043.6 | 195,091.9 | 150,601.3 | 7,297,578.9 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 1,404,958.6 | 1,385,159.6 | 1,350,115.9 | 412,051.9 | 58,383.3 | 87,442.0 | -38,889.1 | 56,969.5 | 31,307.4 | 6,978.3 | 4,754,477.6 | | Contribuciones por leyes especiales (564 y 563) | 125,032.1 | 91,858.4 | 82,544.2 | 35,546.9 | 18,630.2 | 8,508.8 | 5,567.9 | 823.3 | 547.2 | 816.5 | 369,875.4 | | Gasto por Impuesto sobre la renta (Ley 453) | 373,720.8 | 375,260.6 | 392,862.2 | 111,395.3 | 19,956.1 | 24,151.5 | 0.0 | 19,140.4 | 10,790.1 | 0.0 | 1,327,277.1 | | Resultados del período | 906,205.7 | 918,040.6 | 874,709.5 | 265,109.7 | 19,797.0 | 54,781.7 | -44,457.0 | 37,005.7 | 19,970.1 | 6,161.9 | 3,057,325.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2014 C$ 26.3824 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2015 C$ 27.7015 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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