| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 361,682.6 | 330,462.5 | 300,396.3 | 148,063.8 | 99,578.0 | 46,914.9 | 3,876.6 | 42,171.7 | 32,442.4 | 29,031.9 | 1,394,620.6 | | Ingresos financieros por disponibilidades | 146.4 | 118.0 | 47.2 | 94.0 | 8.5 | 0.0 | 595.6 | 69.2 | 66.7 | 32.6 | 1,178.1 | | Ingresos por inversiones en valores | 32,579.3 | 33,502.2 | 3,892.7 | 6,410.5 | 3,699.1 | 0.0 | 18.8 | 0.0 | 0.0 | 457.9 | 80,560.6 | | Ingresos financieros por cartera de creditos | 320,205.0 | 290,443.2 | 294,754.3 | 140,803.1 | 95,775.3 | 46,914.9 | 1,999.6 | 41,902.3 | 32,374.2 | 28,524.7 | 1,293,696.5 | | Ingresos financieros por operaciones de Reportos y valores derivados | 1,862.2 | 0.0 | 0.0 | 128.4 | 0.0 | 0.0 | 1,231.6 | 0.0 | 0.0 | 16.7 | 3,238.8 | | Otros ingresos financieros | 6,889.7 | 6,399.1 | 1,702.1 | 627.8 | 95.0 | 0.0 | 31.0 | 200.3 | 1.6 | 0.0 | 15,946.6 | | | | | | | | | | | | | | | Gastos financieros | 78,754.5 | 73,304.7 | 56,478.5 | 45,671.7 | 18,343.2 | 9,407.4 | 787.5 | 10,140.8 | 6,707.5 | 8,440.0 | 308,035.9 | | Gastos financieros por obligaciones con el público | 56,680.7 | 41,906.0 | 45,099.0 | 30,288.1 | 16,446.9 | 6,442.4 | 731.0 | 697.8 | 0.0 | 0.0 | 198,291.9 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 21,941.0 | 24,664.6 | 10,422.3 | 11,934.9 | 628.8 | 2,097.3 | 56.0 | 8,361.1 | 5,896.0 | 7,289.9 | 93,291.9 | | Gastos financieros por otras 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 | | 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 | 132.8 | 4,926.5 | 0.0 | 2,972.7 | 0.0 | 867.6 | 0.0 | 0.0 | 510.2 | 262.0 | 9,671.8 | | Gastos financieros por operaciones de valores y derivados | 0.0 | 1,807.7 | 205.6 | 0.0 | 647.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,660.9 | | Otros gastos financieros | 0.0 | 0.0 | 751.7 | 476.0 | 619.9 | 0.0 | 0.5 | 1,081.9 | 301.3 | 888.1 | 4,119.4 | | Margen financiero antes de ajuste monetario | 282,928.1 | 257,157.7 | 243,917.7 | 102,392.1 | 81,234.8 | 37,507.6 | 3,089.1 | 32,030.9 | 25,734.9 | 20,591.8 | 1,086,584.7 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 23,212.2 | 23,637.2 | 30,341.1 | 9,741.8 | 4,369.7 | 1,133.5 | 2,526.0 | 2,323.0 | 1,443.7 | 204.7 | 98,932.8 | | Margen financiero bruto | 306,140.3 | 280,794.9 | 274,258.8 | 112,133.9 | 85,604.5 | 38,641.0 | 5,615.1 | 34,353.9 | 27,178.6 | 20,796.5 | 1,185,517.5 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -43,163.4 | -27,269.2 | -6,291.8 | -10,953.4 | -21,597.5 | -3,006.4 | -261.6 | -3,491.0 | -2,847.6 | -1,142.6 | -120,024.5 | | Margen financiero, neto | 262,976.9 | 253,525.7 | 267,967.0 | 101,180.5 | 64,007.0 | 35,634.6 | 5,353.5 | 30,863.0 | 24,331.0 | 19,653.9 | 1,065,493.0 | | Ingresos (Gastos) operativos diversos, neto 1\ | 86,255.5 | 66,653.8 | 88,381.6 | 19,206.1 | 19,132.6 | 3,895.9 | -380.6 | 1,423.5 | 738.3 | 949.8 | 286,256.4 | | Ingresos operativos diversos | 117,971.4 | 101,984.6 | 118,015.2 | 38,408.9 | 26,556.8 | 5,788.3 | 16,820.6 | 2,096.3 | 1,439.3 | 1,439.5 | 430,521.1 | | Gastos operativos diversos | 31,715.9 | 35,330.8 | 29,633.6 | 19,202.8 | 7,424.3 | 1,892.5 | 17,201.3 | 672.8 | 701.1 | 489.8 | 144,264.7 | | Resultado operativo bruto | 349,232.4 | 320,179.6 | 356,348.6 | 120,386.6 | 83,139.6 | 39,530.4 | 4,972.8 | 32,286.5 | 25,069.3 | 20,603.7 | 1,351,749.4 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 519.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 519.9 | | Gastos de administración | 205,678.5 | 156,064.3 | 172,890.6 | 72,436.1 | 70,217.6 | 33,626.0 | 11,630.0 | 23,613.7 | 19,911.4 | 17,754.8 | 783,822.8 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 143,553.9 | 164,115.3 | 183,977.9 | 47,950.6 | 12,922.0 | 5,904.5 | -6,657.2 | 8,672.8 | 5,157.9 | 2,848.9 | 568,446.5 | | Contribuciones por leyes especiales (564 y 563) | 13,677.7 | 10,162.3 | 9,642.2 | 3,860.1 | 1,992.9 | 873.2 | 931.2 | 99.8 | 71.7 | 77.1 | 41,388.0 | | Gasto por Impuesto sobre la renta (Ley 453) | 38,447.0 | 47,582.5 | 53,685.9 | 13,195.5 | 3,290.9 | 1,550.7 | 0.0 | 2,878.3 | 2,102.4 | 0.0 | 162,733.1 | | Resultados del período | 91,429.2 | 106,370.6 | 120,649.7 | 30,895.0 | 7,638.3 | 3,480.7 | -7,588.4 | 5,694.8 | 2,983.8 | 2,771.8 | 364,325.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2015 C$ 26.7088 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2016 C$ 28.0439 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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