| 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 | 2,555,840.0 | 2,264,957.4 | 2,128,464.9 | 1,054,019.1 | 718,607.7 | 331,577.8 | 36,225.8 | 304,785.1 | 236,169.7 | 215,664.4 | 123,543.8 | 9,969,855.8 | | Ingresos financieros por disponibilidades | 2,365.6 | 779.0 | 1,557.3 | 1,313.3 | 220.4 | 0.0 | 3,093.0 | 494.1 | 683.2 | 344.5 | 912.3 | 11,762.5 | | Ingresos por inversiones en valores | 246,572.9 | 157,572.5 | 42,083.5 | 34,065.3 | 24,949.4 | 0.0 | 988.2 | 38.4 | 0.0 | 2,907.1 | 0.3 | 509,177.6 | | Ingresos financieros por cartera de creditos | 2,261,908.2 | 2,042,416.3 | 2,076,165.9 | 1,012,312.0 | 691,933.2 | 331,565.4 | 21,484.5 | 302,006.2 | 235,456.6 | 212,387.2 | 24,307.9 | 9,211,943.3 | | Ingresos financieros por operaciones de Reportos y valores derivados | 5,938.4 | 1,223.7 | 0.0 | 1,908.4 | 53.7 | 6.3 | 10,461.2 | 73.6 | 0.0 | 25.6 | 0.0 | 19,690.9 | | Otros ingresos financieros | 39,054.9 | 62,965.8 | 8,658.3 | 4,420.1 | 1,450.9 | 6.1 | 198.9 | 2,172.9 | 30.0 | 0.0 | 98,323.3 | 217,281.4 | | | | | | | | | | | | | | | | Gastos financieros | 550,888.1 | 525,900.4 | 410,429.4 | 325,547.0 | 143,451.9 | 69,431.0 | 7,824.7 | 74,044.8 | 50,790.4 | 63,420.6 | 10,151.1 | 2,231,879.3 | | Gastos financieros por obligaciones con el público | 409,666.8 | 313,898.7 | 309,344.0 | 190,320.4 | 124,862.6 | 45,800.0 | 7,417.9 | 5,007.7 | 0.0 | 0.0 | 0.0 | 1,406,318.0 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 137,402.7 | 175,084.1 | 86,253.5 | 110,884.0 | 10,725.9 | 16,970.7 | 400.7 | 61,843.6 | 43,662.8 | 54,553.0 | 9,354.7 | 707,135.8 | | 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 | 587.7 | 33,874.5 | 0.0 | 20,921.9 | 0.0 | 6,295.2 | 0.0 | 0.0 | 3,532.7 | 2,391.4 | 0.0 | 67,603.3 | | Gastos financieros por operaciones de valores y derivados | 1,127.4 | 2,184.6 | 4,007.5 | 0.0 | 4,764.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,083.7 | | Otros gastos financieros | 2,103.6 | 858.4 | 10,824.3 | 3,420.7 | 3,099.2 | 365.1 | 6.1 | 7,193.5 | 3,594.9 | 6,476.3 | 796.4 | 38,738.6 | | Margen financiero antes de ajuste monetario | 2,004,951.8 | 1,739,057.0 | 1,718,035.6 | 728,472.1 | 575,155.8 | 262,146.8 | 28,401.1 | 230,740.3 | 185,379.4 | 152,243.8 | 113,392.7 | 7,737,976.4 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 189,240.1 | 169,461.6 | 223,173.5 | 67,286.2 | 36,854.1 | 7,725.5 | 5,471.6 | 15,339.3 | 10,034.0 | 1,870.0 | 5,309.2 | 731,765.0 | | Margen financiero bruto | 2,194,191.9 | 1,908,518.6 | 1,941,209.1 | 795,758.3 | 612,009.9 | 269,872.3 | 33,872.7 | 246,079.7 | 195,413.4 | 154,113.7 | 118,701.9 | 8,469,741.4 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -200,966.8 | -229,696.9 | -164,153.1 | -117,682.5 | -126,955.5 | -22,276.6 | -4,511.0 | -19,399.6 | -21,119.2 | -17,433.7 | -11,997.0 | -936,191.6 | | Margen financiero, neto | 1,993,225.1 | 1,678,821.7 | 1,777,056.0 | 678,075.9 | 485,054.4 | 247,595.7 | 29,361.7 | 226,680.1 | 174,294.2 | 136,680.1 | 106,705.0 | 7,533,549.8 | | Ingresos (Gastos) operativos diversos, neto 1\ | 668,098.9 | 488,426.1 | 668,302.2 | 141,587.8 | 129,272.3 | 34,642.6 | 157,180.6 | 11,656.4 | 5,731.3 | 12,278.8 | 909.2 | 2,318,086.1 | | Ingresos operativos diversos | 801,828.7 | 721,824.0 | 807,010.1 | 252,809.0 | 171,810.6 | 48,759.9 | 200,176.3 | 15,173.9 | 8,021.2 | 14,760.1 | 2,007.0 | 3,044,180.7 | | Gastos operativos diversos | 133,729.8 | 233,397.8 | 138,707.9 | 111,221.3 | 42,538.3 | 14,117.3 | 42,995.8 | 3,517.5 | 2,289.8 | 2,481.3 | 1,097.8 | 726,094.7 | | Resultado operativo bruto | 2,661,324.1 | 2,167,247.9 | 2,445,358.2 | 819,663.6 | 614,326.7 | 282,238.3 | 186,542.3 | 238,336.5 | 180,025.5 | 148,958.9 | 107,614.1 | 9,851,635.9 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 364.4 | 1,689.5 | 2,060.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,114.7 | | Gastos de administración | 1,551,780.7 | 1,090,673.4 | 1,275,653.2 | 508,836.7 | 551,051.6 | 231,409.3 | 84,670.6 | 185,987.0 | 154,118.7 | 128,347.6 | 120,451.7 | 5,882,980.5 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 1,109,543.3 | 1,076,938.9 | 1,171,394.4 | 312,887.7 | 63,275.1 | 50,828.9 | 101,871.6 | 52,349.5 | 25,906.8 | 20,611.3 | -12,837.6 | 3,972,770.1 | | Contribuciones por leyes especiales (564 y 563) | 96,147.5 | 71,550.9 | 67,913.4 | 27,194.3 | 14,046.5 | 6,154.3 | 5,729.1 | 698.3 | 501.8 | 616.6 | 0.0 | 290,552.7 | | Gasto por Impuesto sobre la renta (Ley 453) | 304,815.9 | 289,386.4 | 340,687.8 | 83,831.2 | 14,879.6 | 13,900.5 | 1,788.1 | 17,503.3 | 9,639.9 | 5,998.4 | 0.0 | 1,082,431.0 | | Resultados del período | 708,580.0 | 716,001.6 | 762,793.2 | 201,862.2 | 34,349.1 | 30,774.1 | 94,354.5 | 34,147.8 | 15,765.1 | 13,996.3 | -12,837.6 | 2,599,786.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2015 C$ 27.3629 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2016 C$ 28.7326 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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