| 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 | 2,953,126.5 | 2,607,284.1 | 2,457,770.3 | 1,236,074.5 | 832,878.7 | 381,233.1 | 43,243.4 | 352,118.1 | 271,519.1 | 253,514.2 | 171,751.0 | 11,560,513.2 | | Ingresos financieros por disponibilidades | 2,874.3 | 968.1 | 1,609.5 | 1,528.5 | 282.5 | 0.0 | 3,488.1 | 590.3 | 774.7 | 464.4 | 1,084.6 | 13,665.0 | | Ingresos por inversiones en valores | 281,890.4 | 195,335.6 | 48,984.3 | 39,127.2 | 30,943.7 | 0.0 | 1,238.8 | 57.6 | 0.0 | 3,544.4 | 0.5 | 601,122.5 | | Ingresos financieros por cartera de creditos | 2,613,252.1 | 2,341,600.4 | 2,397,494.8 | 1,188,298.7 | 799,442.6 | 381,220.6 | 27,361.9 | 348,830.7 | 270,713.7 | 249,479.8 | 44,975.8 | 10,662,671.0 | | Ingresos financieros por operaciones de Reportos y valores derivados | 6,696.7 | 1,625.3 | 0.0 | 2,137.4 | 185.5 | 6.3 | 10,955.7 | 73.6 | 0.0 | 25.6 | 0.0 | 21,706.1 | | Otros ingresos financieros | 48,413.0 | 67,754.7 | 9,681.8 | 4,982.6 | 2,024.4 | 6.1 | 198.9 | 2,566.0 | 30.8 | 0.0 | 125,690.2 | 261,348.6 | | | | | | | | | | | | | | | | Gastos financieros | 634,298.5 | 608,765.3 | 472,304.7 | 376,198.8 | 170,268.7 | 80,757.0 | 9,137.3 | 86,421.6 | 58,632.6 | 74,456.5 | 16,436.0 | 2,587,677.0 | | Gastos financieros por obligaciones con el público | 475,167.7 | 363,796.8 | 354,950.5 | 220,165.2 | 145,228.1 | 53,034.9 | 8,670.5 | 5,859.4 | 0.0 | 0.0 | 0.0 | 1,626,873.1 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 154,906.5 | 203,174.0 | 101,300.5 | 128,027.2 | 16,507.1 | 19,949.7 | 459.9 | 71,953.7 | 50,152.6 | 64,615.6 | 15,210.5 | 826,257.3 | | 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 | 38,751.5 | 0.0 | 24,031.2 | 0.0 | 7,254.7 | 0.0 | 0.0 | 4,056.7 | 2,954.4 | 0.0 | 77,636.2 | | Gastos financieros por operaciones de valores y derivados | 1,245.0 | 2,184.6 | 4,584.6 | 0.0 | 5,534.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,549.1 | | Otros gastos financieros | 2,391.6 | 858.4 | 11,469.0 | 3,975.2 | 2,998.6 | 517.7 | 6.9 | 8,608.6 | 4,423.3 | 6,886.5 | 1,225.5 | 43,361.3 | | Margen financiero antes de ajuste monetario | 2,318,828.1 | 1,998,518.8 | 1,985,465.7 | 859,875.7 | 662,609.9 | 300,476.0 | 34,106.1 | 265,696.5 | 212,886.5 | 179,057.8 | 155,315.1 | 8,972,836.2 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 216,678.8 | 195,095.0 | 255,421.5 | 77,189.3 | 41,851.4 | 8,933.4 | 5,908.9 | 17,831.3 | 11,519.5 | 2,216.1 | 6,812.2 | 839,457.5 | | Margen financiero bruto | 2,535,506.9 | 2,193,613.8 | 2,240,887.2 | 937,065.0 | 704,461.4 | 309,409.4 | 40,015.0 | 283,527.8 | 224,406.0 | 181,273.9 | 162,127.2 | 9,812,293.6 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -237,617.8 | -254,322.9 | -192,459.0 | -137,064.2 | -147,685.0 | -25,804.2 | -5,304.6 | -22,764.1 | -24,450.9 | -19,481.4 | -13,776.1 | -1,080,730.2 | | Margen financiero, neto | 2,297,889.0 | 1,939,290.9 | 2,048,428.2 | 800,000.9 | 556,776.4 | 283,605.2 | 34,710.4 | 260,763.6 | 199,955.1 | 161,792.4 | 148,351.1 | 8,731,563.4 | | Ingresos (Gastos) operativos diversos, neto 1\ | 768,358.9 | 548,727.1 | 764,947.8 | 162,164.4 | 157,666.2 | 38,457.9 | 170,461.1 | 13,810.7 | 7,289.5 | 13,349.6 | 1,656.6 | 2,646,889.8 | | Ingresos operativos diversos | 921,791.3 | 835,357.5 | 929,552.6 | 292,207.8 | 209,322.0 | 54,539.0 | 226,054.8 | 18,033.9 | 9,668.8 | 16,302.0 | 3,444.0 | 3,516,273.7 | | Gastos operativos diversos | 153,432.4 | 286,630.3 | 164,604.8 | 130,043.4 | 51,655.8 | 16,081.1 | 55,593.6 | 4,223.2 | 2,379.3 | 2,952.4 | 1,787.5 | 869,383.9 | | Resultado operativo bruto | 3,066,247.9 | 2,488,018.0 | 2,813,376.0 | 962,165.3 | 714,442.6 | 322,063.1 | 205,171.5 | 274,574.3 | 207,244.6 | 175,142.0 | 150,007.7 | 11,378,453.3 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 364.4 | 1,904.8 | 2,713.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,982.4 | | Gastos de administración | 1,777,922.2 | 1,253,443.4 | 1,459,313.4 | 578,394.4 | 642,511.3 | 264,033.2 | 97,462.7 | 213,502.8 | 179,476.9 | 148,546.3 | 161,263.5 | 6,775,870.2 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 1,288,325.7 | 1,234,939.1 | 1,355,967.4 | 386,484.0 | 71,931.3 | 58,029.9 | 107,708.8 | 61,071.5 | 27,767.7 | 26,595.7 | -11,255.8 | 4,607,565.4 | | Contribuciones por leyes especiales (564 y 563) | 109,986.7 | 81,853.5 | 77,694.2 | 31,113.5 | 16,074.1 | 7,041.7 | 6,466.5 | 798.1 | 573.5 | 770.7 | 364.1 | 332,736.6 | | Gasto por Impuesto sobre la renta (Ley 453) | 354,315.9 | 336,237.2 | 394,588.6 | 105,154.5 | 16,868.1 | 15,829.7 | 1,788.1 | 20,455.7 | 10,550.4 | 7,744.4 | 0.0 | 1,263,532.7 | | Resultados del período | 824,023.2 | 816,848.4 | 883,684.6 | 250,215.9 | 38,989.0 | 35,158.6 | 99,454.3 | 39,817.6 | 16,643.9 | 18,080.6 | -11,619.9 | 3,011,296.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2015 C$ 27.4765 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2016 C$ 28.8516 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. |
|
|
