| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos financieros | 1,791,797.0 | 1,615,212.9 | 1,497,137.8 | 743,700.2 | 494,561.2 | 234,173.5 | 22,770.9 | 213,960.7 | 166,408.4 | 145,809.0 | 1,944.6 | 6,927,476.1 | | Ingresos financieros por disponibilidades | 1,517.7 | 561.4 | 1,413.6 | 1,088.3 | 161.6 | 0.0 | 2,317.6 | 333.5 | 505.0 | 173.4 | 455.0 | 8,527.1 | | Ingresos por inversiones en valores | 165,881.4 | 120,569.5 | 28,738.3 | 24,188.1 | 13,071.3 | 0.0 | 519.0 | 0.0 | 0.0 | 1,610.5 | 0.1 | 354,578.1 | | Ingresos financieros por cartera de creditos | 1,592,675.9 | 1,444,933.2 | 1,460,656.9 | 714,091.7 | 480,304.7 | 234,169.4 | 12,660.2 | 212,521.3 | 165,893.7 | 144,008.4 | 1,489.4 | 6,463,404.9 | | Ingresos financieros por operaciones de Reportos y valores derivados | 4,913.7 | 373.2 | 0.0 | 1,279.1 | 53.7 | 0.0 | 7,243.1 | 0.0 | 0.0 | 16.7 | 0.0 | 13,879.6 | | Otros ingresos financieros | 26,808.2 | 48,775.5 | 6,329.0 | 3,053.0 | 970.0 | 4.0 | 31.0 | 1,105.9 | 9.8 | 0.0 | 0.0 | 87,086.4 | | | | | | | | | | | | | | | | Gastos financieros | 389,857.9 | 369,547.2 | 290,510.9 | 229,976.3 | 97,403.3 | 48,209.1 | 5,133.0 | 51,404.4 | 35,721.5 | 41,715.1 | 1,413.6 | 1,560,892.1 | | Gastos financieros por obligaciones con el público | 285,651.5 | 220,829.4 | 221,144.2 | 133,732.8 | 86,482.3 | 32,001.3 | 4,845.8 | 3,372.0 | 0.0 | 0.0 | 0.0 | 988,059.3 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 101,080.5 | 122,492.5 | 57,453.0 | 78,882.8 | 5,568.6 | 11,580.6 | 284.0 | 42,924.9 | 30,957.4 | 35,923.1 | 1,235.6 | 488,382.9 | | 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 | 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 | 0.0 | | Gastos financieros por obligaciones subordinadas y obligaciones convertibles en capital | 545.5 | 24,172.5 | 0.0 | 14,804.7 | 0.0 | 4,418.6 | 0.0 | 0.0 | 2,506.5 | 1,317.1 | 0.0 | 47,764.8 | | Gastos financieros por operaciones de valores y derivados | 476.8 | 2,052.7 | 3,054.1 | 0.0 | 2,829.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,412.8 | | Otros gastos financieros | 2,103.6 | 0.0 | 8,859.6 | 2,556.0 | 2,523.1 | 208.7 | 3.2 | 5,107.5 | 2,257.5 | 4,474.9 | 178.0 | 28,272.3 | | Margen financiero antes de ajuste monetario | 1,401,939.2 | 1,245,665.7 | 1,206,626.9 | 513,723.9 | 397,157.9 | 185,964.4 | 17,637.9 | 162,556.3 | 130,687.0 | 104,093.9 | 531.0 | 5,366,584.0 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 130,162.7 | 121,394.7 | 161,187.7 | 46,900.7 | 25,702.9 | 5,353.3 | 6,246.4 | 10,562.1 | 7,273.8 | 1,438.1 | 2,786.5 | 519,009.0 | | Margen financiero bruto | 1,532,101.9 | 1,367,060.4 | 1,367,814.6 | 560,624.7 | 422,860.9 | 191,317.7 | 23,884.3 | 173,118.4 | 137,960.7 | 105,532.0 | 3,317.5 | 5,885,593.0 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -131,962.1 | -139,894.7 | -83,836.2 | -76,543.0 | -89,554.2 | -17,690.1 | -1,756.3 | -13,260.7 | -15,091.9 | -13,473.5 | -2,261.1 | -585,323.7 | | Margen financiero, neto | 1,400,139.8 | 1,227,165.7 | 1,283,978.4 | 484,081.7 | 333,306.7 | 173,627.6 | 22,128.0 | 159,857.6 | 122,868.9 | 92,058.5 | 1,056.4 | 5,300,269.3 | | Ingresos (Gastos) operativos diversos, neto 1\ | 469,339.4 | 320,963.9 | 469,708.1 | 99,021.5 | 91,282.7 | 24,739.9 | 59,843.9 | 8,396.3 | 3,646.9 | 7,941.8 | 32,227.2 | 1,587,111.5 | | Ingresos operativos diversos | 569,900.6 | 487,070.3 | 571,729.1 | 178,533.7 | 119,188.7 | 35,672.0 | 164,594.3 | 11,018.3 | 5,753.0 | 10,200.0 | 32,521.6 | 2,186,181.7 | | Gastos operativos diversos | 100,561.2 | 166,106.4 | 102,021.0 | 79,512.2 | 27,906.0 | 10,932.1 | 104,750.4 | 2,622.0 | 2,106.2 | 2,258.2 | 294.4 | 599,070.2 | | Resultado operativo bruto | 1,869,479.2 | 1,548,129.6 | 1,753,686.5 | 583,103.2 | 424,589.4 | 198,367.6 | 81,971.9 | 168,253.9 | 126,515.7 | 100,000.3 | 33,283.6 | 6,887,380.8 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 975.8 | 1,275.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,251.6 | | Gastos de administración | 1,091,996.9 | 772,192.5 | 888,654.4 | 365,543.5 | 379,499.7 | 161,836.3 | 58,299.7 | 130,814.5 | 105,868.8 | 89,549.9 | 46,569.3 | 4,090,825.4 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 777,482.4 | 775,937.1 | 866,007.9 | 218,835.5 | 45,089.7 | 36,531.2 | 23,672.2 | 37,439.4 | 20,647.0 | 10,450.4 | -13,285.6 | 2,798,807.1 | | Contribuciones por leyes especiales (564 y 563) | 68,550.7 | 51,007.5 | 48,407.0 | 19,382.1 | 10,012.0 | 4,385.9 | 4,052.8 | 498.8 | 358.4 | 385.3 | 0.0 | 207,040.5 | | Gasto por Impuesto sobre la renta (Ley 453) | 213,673.4 | 209,221.6 | 252,518.5 | 58,119.0 | 10,624.2 | 9,961.5 | 1,788.1 | 12,532.5 | 7,505.6 | 2,935.6 | 0.0 | 778,879.9 | | Resultados del período | 495,258.2 | 515,708.1 | 565,082.3 | 141,334.5 | 24,453.5 | 22,183.8 | 17,831.4 | 24,408.1 | 12,783.0 | 7,129.5 | -13,285.6 | 1,812,886.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2015 C$ 27.1407 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2016 C$ 28.4999 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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