| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos financieros | 5,444,036.5 | 4,295,625.8 | 4,388,250.5 | 2,057,339.6 | 1,690,957.2 | 640,236.7 | 248,382.1 | 599,894.1 | 422,118.3 | 467,097.3 | 940,326.1 | 21,194,264.2 | | Ingresos financieros por disponibilidades | 29,294.8 | 16,959.8 | 27,170.4 | 7,299.3 | 5,772.8 | 1,335.4 | 5,274.8 | 3,593.0 | 1,396.5 | 1,398.2 | 3,580.2 | 103,075.2 | | Ingresos por inversiones en valores | 423,686.6 | 412,607.8 | 41,759.5 | 86,828.1 | 146,069.5 | 139.8 | 55,871.7 | 984.3 | 246.9 | 464.1 | 306.0 | 1,168,964.3 | | Ingresos financieros por cartera de creditos | 4,922,111.1 | 3,749,350.4 | 4,303,040.7 | 1,952,099.9 | 1,529,233.8 | 633,669.7 | 160,053.2 | 586,602.2 | 420,464.7 | 465,131.1 | 929,287.4 | 19,651,044.2 | | Ingresos financieros por operaciones de Reportos y valores derivados | 2,113.7 | 231.9 | 30.8 | 1,414.5 | 6,671.0 | 114.4 | 14,048.9 | 127.0 | 0.0 | 103.9 | 237.8 | 25,093.8 | | Otros ingresos financieros | 66,830.4 | 116,475.9 | 16,249.1 | 9,697.8 | 3,210.2 | 4,977.4 | 13,133.5 | 8,587.6 | 10.2 | 0.0 | 6,914.7 | 246,086.7 | | | | | | | | | | | | | | | | Gastos financieros | 1,513,715.7 | 1,288,333.9 | 1,033,608.8 | 768,057.3 | 483,755.4 | 175,239.2 | 27,387.3 | 152,614.4 | 103,829.7 | 130,511.9 | 229,655.3 | 5,906,708.9 | | Gastos financieros por obligaciones con el público | 817,324.9 | 571,331.9 | 568,354.3 | 347,831.2 | 261,638.7 | 115,436.0 | 26,684.3 | 6,536.4 | 2,444.2 | 8,401.4 | 0.0 | 2,725,983.2 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 454,731.8 | 483,958.8 | 417,324.8 | 351,884.2 | 172,916.1 | 58,967.7 | 669.8 | 137,517.7 | 86,995.3 | 104,267.5 | 205,084.1 | 2,474,317.8 | | 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 | 92,654.1 | 135,546.0 | 0.0 | 39,293.9 | 28,528.1 | 0.0 | 0.0 | 0.0 | 9,389.3 | 10,833.2 | 18,944.6 | 335,189.2 | | Gastos financieros por operaciones de valores y derivados | 137,689.5 | 97,028.6 | 20,027.6 | 19,275.6 | 18,580.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 292,601.8 | | Otros gastos financieros | 11,315.4 | 468.7 | 27,902.1 | 9,772.4 | 2,092.0 | 835.5 | 33.2 | 8,560.3 | 5,000.8 | 7,009.9 | 5,626.6 | 78,616.9 | | Margen financiero antes de ajuste monetario | 3,930,320.9 | 3,007,291.9 | 3,354,641.7 | 1,289,282.2 | 1,207,201.9 | 464,997.5 | 220,994.8 | 447,279.7 | 318,288.6 | 336,585.4 | 710,670.7 | 15,287,555.3 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 433,844.0 | 348,333.7 | 443,676.5 | 113,596.8 | 72,000.5 | 29,445.6 | 66,732.7 | 16,367.7 | 14,498.1 | 10,902.1 | 12,810.4 | 1,562,208.2 | | Margen financiero bruto | 4,364,164.8 | 3,355,625.6 | 3,798,318.2 | 1,402,879.1 | 1,279,202.4 | 494,443.1 | 287,727.5 | 463,647.4 | 332,786.7 | 347,487.6 | 723,481.1 | 16,849,763.6 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -1,072,328.6 | -846,385.6 | -1,053,696.5 | -448,881.9 | -601,508.4 | -134,698.9 | -18,752.2 | -188,287.7 | -263,618.9 | -182,368.0 | -403,069.4 | -5,213,596.0 | | Margen financiero, neto | 3,291,836.2 | 2,509,240.0 | 2,744,621.7 | 953,997.2 | 677,694.0 | 359,744.2 | 268,975.4 | 275,359.8 | 69,167.8 | 165,119.5 | 320,411.7 | 11,636,167.6 | | Ingresos (Gastos) operativos diversos, neto 1\ | 1,269,708.4 | 952,515.2 | 1,246,007.2 | 205,615.0 | 376,757.6 | 92,503.7 | 48,819.4 | 12,478.5 | 1,068.9 | 5,642.9 | 33,598.6 | 4,244,715.3 | | Ingresos operativos diversos | 1,596,098.4 | 1,560,004.9 | 1,329,898.6 | 466,391.2 | 489,695.6 | 129,321.2 | 78,604.6 | 30,302.4 | 2,837.4 | 12,951.2 | 39,068.3 | 5,735,173.7 | | Gastos operativos diversos | 326,390.0 | 607,489.8 | 83,891.4 | 260,776.2 | 112,938.0 | 36,817.5 | 29,785.2 | 17,823.9 | 1,768.4 | 7,308.3 | 5,469.8 | 1,490,458.4 | | Resultado operativo bruto | 4,561,544.6 | 3,461,755.1 | 3,990,628.9 | 1,159,612.2 | 1,054,451.6 | 452,247.9 | 317,794.7 | 287,838.3 | 70,236.8 | 170,762.4 | 354,010.3 | 15,880,882.9 | | Participacion en resultado de subsidiarias y asociadas | 12,386.2 | 329,521.1 | 2,006.4 | 2,946.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 346,860.6 | | Gastos de administración | 2,982,475.6 | 2,084,381.7 | 2,163,695.5 | 881,562.7 | 956,556.8 | 387,295.0 | 199,275.9 | 332,381.0 | 243,408.0 | 272,076.2 | 502,936.2 | 11,006,044.6 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 1,591,455.3 | 1,706,894.6 | 1,828,939.7 | 280,996.3 | 97,894.8 | 64,952.9 | 118,518.8 | -44,542.7 | -173,171.2 | -101,313.7 | -148,925.9 | 5,221,698.9 | | Contribuciones por leyes especiales (564 y 563) | 177,405.1 | 133,623.5 | 129,245.1 | 51,152.6 | 30,087.2 | 13,736.7 | 25,175.7 | 1,671.0 | 1,255.1 | 1,730.9 | 1,773.2 | 566,856.2 | | Gasto por Impuesto sobre la renta (Ley 453) | 415,222.2 | 330,924.0 | 517,132.0 | 82,228.5 | 26,752.8 | 19,324.6 | 28,002.9 | 19,363.9 | 5,533.6 | 6,450.3 | 11,581.9 | 1,462,516.8 | | Resultados del período | 998,827.9 | 1,242,347.0 | 1,182,562.6 | 147,615.1 | 41,054.9 | 31,891.6 | 65,340.2 | -65,577.6 | -179,959.9 | -109,494.8 | -162,281.0 | 3,192,325.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2017 C$ 30.6636 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2018 C$ 32.1968 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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