| 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 | 4,920,486.3 | 3,977,468.1 | 4,023,907.5 | 1,947,490.2 | 1,577,222.9 | 590,034.5 | 137,317.7 | 604,039.1 | 421,046.8 | 463,833.4 | 721,998.8 | 19,384,845.4 | | Ingresos financieros por disponibilidades | 15,471.5 | 7,916.1 | 12,210.6 | 3,299.4 | 2,815.3 | 11.0 | 4,638.9 | 1,013.1 | 1,026.5 | 936.3 | 1,758.0 | 51,096.7 | | Ingresos por inversiones en valores | 458,369.8 | 295,525.5 | 45,294.0 | 73,261.3 | 91,266.7 | 0.0 | 6,145.0 | 3.4 | 0.0 | 339.5 | 1.7 | 970,206.8 | | Ingresos financieros por cartera de creditos | 4,381,876.4 | 3,584,570.7 | 3,946,253.2 | 1,861,205.5 | 1,463,922.4 | 588,223.6 | 112,516.4 | 597,623.1 | 419,994.1 | 462,235.3 | 718,307.3 | 18,136,728.0 | | Ingresos financieros por operaciones de Reportos y valores derivados | 2,937.2 | 678.8 | 180.2 | 1,103.6 | 15,584.4 | 1,064.8 | 11,519.0 | 306.0 | 0.0 | 322.3 | 0.0 | 33,696.2 | | Otros ingresos financieros | 61,831.5 | 88,777.0 | 19,969.6 | 8,620.5 | 3,634.1 | 735.1 | 2,498.4 | 5,093.5 | 26.2 | 0.0 | 1,931.8 | 193,117.7 | | | | | | | | | | | | | | | | Gastos financieros | 1,206,434.0 | 981,292.0 | 858,392.2 | 633,568.2 | 365,292.9 | 150,781.9 | 19,800.9 | 151,621.7 | 100,480.2 | 128,664.3 | 177,573.9 | 4,773,902.2 | | Gastos financieros por obligaciones con el público | 843,595.4 | 558,103.8 | 535,231.9 | 339,464.5 | 256,153.3 | 81,571.6 | 19,087.9 | 16,946.8 | 0.0 | 5,950.5 | 0.0 | 2,656,105.5 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 280,168.6 | 348,595.1 | 303,615.6 | 251,450.4 | 98,328.1 | 54,752.5 | 701.9 | 125,475.9 | 81,552.6 | 98,160.7 | 155,719.4 | 1,798,520.9 | | 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 | 78,362.9 | 51,936.3 | 0.0 | 35,349.9 | 0.0 | 13,434.9 | 0.0 | 0.0 | 8,940.2 | 9,941.1 | 13,454.1 | 211,419.4 | | Gastos financieros por operaciones de valores y derivados | 628.5 | 7,891.6 | 1,895.3 | 0.0 | 7,146.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 17,561.6 | | Otros gastos financieros | 3,678.6 | 14,765.2 | 17,649.4 | 7,303.3 | 3,665.4 | 1,022.8 | 11.1 | 9,199.1 | 9,987.4 | 14,612.0 | 8,400.4 | 90,294.7 | | Margen financiero antes de ajuste monetario | 3,714,052.4 | 2,996,176.2 | 3,165,515.3 | 1,313,922.1 | 1,211,930.0 | 439,252.7 | 117,516.8 | 452,417.3 | 320,566.6 | 335,169.1 | 544,424.8 | 14,610,943.3 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 347,839.9 | 310,043.0 | 392,029.7 | 111,525.6 | 70,861.4 | 15,515.1 | 53,823.9 | 17,735.2 | 17,127.8 | 8,112.4 | 20,286.7 | 1,364,900.7 | | Margen financiero bruto | 4,061,892.3 | 3,306,219.1 | 3,557,545.0 | 1,425,447.6 | 1,282,791.4 | 454,767.7 | 171,340.8 | 470,152.6 | 337,694.4 | 343,281.5 | 564,711.6 | 15,975,844.0 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -487,662.3 | -331,053.7 | -444,764.5 | -320,025.5 | -326,870.9 | -38,599.6 | 39,074.2 | -50,570.3 | -43,053.5 | -82,968.3 | -77,912.5 | -2,164,406.7 | | Margen financiero, neto | 3,574,230.0 | 2,975,165.4 | 3,112,780.5 | 1,105,422.2 | 955,920.5 | 416,168.2 | 210,414.9 | 419,582.2 | 294,640.9 | 260,313.2 | 486,799.1 | 13,811,437.2 | | Ingresos (Gastos) operativos diversos, neto 1\ | 1,291,633.5 | 810,571.8 | 1,184,908.9 | 237,245.6 | 298,072.2 | 61,990.9 | 66,822.3 | 25,048.0 | 12,999.8 | 12,094.8 | 106,876.4 | 4,108,264.3 | | Ingresos operativos diversos | 1,510,374.9 | 1,357,414.4 | 1,252,599.6 | 420,413.2 | 394,883.3 | 96,838.1 | 81,565.7 | 38,480.5 | 14,527.9 | 19,836.6 | 111,536.3 | 5,298,470.5 | | Gastos operativos diversos | 218,741.3 | 546,842.6 | 67,690.7 | 183,167.5 | 96,811.1 | 34,847.2 | 14,743.4 | 13,432.6 | 1,528.1 | 7,741.8 | 4,659.9 | 1,190,206.2 | | Resultado operativo bruto | 4,865,863.5 | 3,785,737.2 | 4,297,689.5 | 1,342,667.8 | 1,253,992.7 | 478,159.1 | 277,237.2 | 444,630.2 | 307,640.7 | 272,408.0 | 593,675.5 | 17,919,701.5 | | Participacion en resultado de subsidiarias y asociadas | 12,770.4 | 260,767.2 | 2,178.9 | 6,285.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 282,001.9 | | Gastos de administración | 2,867,996.1 | 2,049,140.3 | 2,227,563.3 | 854,950.8 | 1,039,506.3 | 383,119.2 | 176,283.7 | 338,231.0 | 270,594.3 | 259,524.6 | 519,703.8 | 10,986,613.2 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 2,010,637.8 | 1,997,364.1 | 2,072,305.0 | 494,002.4 | 214,486.5 | 95,039.9 | 100,953.6 | 106,399.2 | 37,046.4 | 12,883.4 | 73,971.8 | 7,215,090.1 | | Contribuciones por leyes especiales (564 y 563) | 158,835.8 | 119,682.5 | 118,814.0 | 47,417.2 | 25,024.7 | 10,736.5 | 21,258.2 | 1,323.9 | 1,030.3 | 1,168.5 | 2,291.6 | 507,583.1 | | Gasto por Impuesto sobre la renta (Ley 453) | 540,929.6 | 465,411.7 | 603,106.3 | 133,690.3 | 58,930.9 | 39,564.3 | 23,908.6 | 32,913.8 | 12,912.6 | 5,742.9 | 0.0 | 1,917,111.1 | | Resultados del período | 1,310,872.3 | 1,412,269.9 | 1,350,384.7 | 312,894.9 | 130,530.8 | 44,739.0 | 55,786.8 | 72,161.6 | 23,103.5 | 5,972.1 | 71,680.2 | 4,790,395.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2016 C$ 29.2038 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2017 C$ 30.6636 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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