| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 1,512,690.8 | 1,361,733.9 | 1,225,204.3 | 617,671.4 | 434,099.8 | 209,929.5 | 164,759.2 | 134,760.2 | 437.4 | 92,479.2 | 5,753,765.6 | | Ingresos financieros por disponibilidades | 1,312.6 | 607.1 | 271.4 | 813.7 | 0.0 | 2.7 | 340.3 | 240.5 | 0.0 | 436.6 | 4,024.9 | | Ingresos por inversiones en valores | 169,523.3 | 124,650.9 | 1,717.3 | 30,411.9 | 9,777.6 | 0.0 | 35.4 | 0.0 | 11.6 | 1,561.5 | 337,689.5 | | Ingresos financieros por cartera de creditos | 1,320,425.0 | 1,194,329.1 | 1,215,597.0 | 583,398.2 | 423,979.3 | 209,900.8 | 163,547.4 | 134,510.2 | 0.0 | 90,459.5 | 5,336,146.4 | | Ingresos financieros por operaciones de Reportos y valores derivados | 1,795.7 | 83.0 | 455.8 | 441.9 | 0.0 | 0.0 | 0.0 | 0.0 | 75.7 | 21.6 | 2,873.6 | | Otros ingresos financieros | 19,634.2 | 42,063.8 | 7,162.9 | 2,605.6 | 342.9 | 25.9 | 836.1 | 9.5 | 350.2 | 0.0 | 73,031.2 | | | | | | | | | | | | | | | Gastos financieros | 319,963.7 | 307,223.1 | 227,855.9 | 169,366.9 | 70,364.8 | 36,317.7 | 38,085.7 | 23,488.0 | 691.1 | 26,221.8 | 1,219,578.6 | | Gastos financieros por obligaciones con el público | 236,366.8 | 182,777.3 | 204,187.5 | 110,814.8 | 66,851.4 | 26,137.1 | 2,299.2 | 0.0 | 1.7 | 0.0 | 829,435.7 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 79,266.0 | 103,424.1 | 22,836.6 | 42,473.3 | 0.2 | 6,123.2 | 31,767.7 | 22,568.4 | 156.2 | 26,080.3 | 334,696.0 | | Gastos financieros por otras cuentas por pagar | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.3 | 0.0 | 0.0 | 0.0 | 4.3 | | 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 | | Gastos financieros por obligaciones subordinadas y obligaciones convertibles en capital | 1,059.2 | 19,474.3 | 0.0 | 14,156.2 | 0.0 | 4,057.4 | 0.0 | 0.0 | 0.0 | 0.0 | 38,747.0 | | Gastos financieros por operaciones de valores y derivados | 506.6 | 1,246.3 | 0.0 | 0.0 | 370.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,123.5 | | Otros gastos financieros | 2,765.1 | 301.1 | 831.8 | 1,922.7 | 3,142.5 | 0.0 | 4,014.5 | 919.7 | 533.2 | 141.4 | 14,572.1 | | Margen financiero antes de ajuste monetario | 1,192,727.0 | 1,054,510.8 | 997,348.4 | 448,304.5 | 363,735.0 | 173,611.8 | 126,673.5 | 111,272.2 | -253.7 | 66,257.4 | 4,534,187.0 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 119,915.5 | 99,515.8 | 117,100.9 | 41,961.5 | 22,457.2 | 1,222.5 | 8,871.7 | 7,248.7 | 3,345.6 | 462.3 | 422,101.7 | | Margen financiero bruto | 1,312,642.6 | 1,154,026.6 | 1,114,449.2 | 490,266.0 | 386,192.3 | 174,834.3 | 135,545.2 | 118,520.9 | 3,092.0 | 66,719.8 | 4,956,288.7 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -128,480.6 | -109,153.1 | -95,884.4 | -72,091.7 | -123,394.6 | -923.5 | -8,365.8 | -13,289.8 | 0.0 | -7,305.8 | -558,889.3 | | Margen financiero, neto | 1,184,161.9 | 1,044,873.5 | 1,018,564.8 | 418,174.2 | 262,797.6 | 173,910.9 | 127,179.3 | 105,231.1 | 3,092.0 | 59,414.0 | 4,397,399.4 | | Ingresos (Gastos) operativos diversos, neto 1\ | 454,464.9 | 316,250.4 | 383,579.5 | 91,710.6 | 91,289.6 | 26,716.0 | 6,251.0 | 3,833.3 | -10.9 | 7,974.8 | 1,382,059.2 | | Ingresos operativos diversos | 478,612.5 | 428,279.6 | 436,118.3 | 145,197.2 | 106,820.1 | 33,348.2 | 9,359.8 | 4,385.8 | 31.0 | 8,678.8 | 1,650,831.3 | | Gastos operativos diversos | 24,147.6 | 112,029.2 | 52,538.8 | 53,486.7 | 15,530.4 | 6,632.3 | 3,108.8 | 552.6 | 41.9 | 704.0 | 268,772.1 | | Resultado operativo bruto | 1,638,626.9 | 1,361,123.9 | 1,402,144.3 | 509,884.8 | 354,087.3 | 200,626.8 | 133,430.3 | 109,064.4 | 3,081.1 | 67,388.8 | 5,779,458.7 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 1,334.8 | 572.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,906.7 | | Gastos de administración | 948,889.2 | 693,899.5 | 746,339.1 | 325,848.0 | 330,713.5 | 148,649.1 | 107,642.1 | 91,128.2 | 11,878.3 | 70,088.5 | 3,475,075.4 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 689,737.7 | 667,224.4 | 657,140.0 | 184,608.8 | 23,373.7 | 51,977.7 | 25,788.3 | 17,936.1 | -8,797.2 | -2,699.6 | 2,306,290.0 | | Contribuciones por leyes especiales (564 y 563) | 62,219.1 | 45,710.2 | 41,065.6 | 17,681.4 | 9,265.3 | 4,231.2 | 411.7 | 273.6 | 790.2 | 408.2 | 182,056.6 | | Gasto por Impuesto sobre la renta (Ley 453) | 182,843.9 | 179,579.3 | 191,259.8 | 49,212.3 | 7,231.7 | 15,908.9 | 8,597.1 | 5,949.6 | 0.0 | 0.0 | 640,582.4 | | Resultados del período | 444,674.6 | 441,934.9 | 424,814.7 | 117,715.1 | 6,876.8 | 31,837.7 | 16,779.5 | 11,713.0 | -9,587.4 | -3,107.9 | 1,483,651.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2014 C$ 25.8483 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2015 C$ 27.1407 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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