| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 1,826,738.6 | 1,635,386.0 | 1,479,720.0 | 745,016.4 | 520,642.3 | 253,452.0 | 199,466.6 | 162,971.5 | 170.0 | 114,179.7 | 6,937,743.2 | | Ingresos financieros por disponibilidades | 1,484.3 | 778.0 | 347.5 | 892.9 | 0.0 | 2.8 | 395.9 | 301.2 | 0.0 | 446.5 | 4,649.1 | | Ingresos por inversiones en valores | 205,035.1 | 146,155.6 | 3,764.8 | 36,316.4 | 11,833.2 | 0.0 | 35.4 | 0.0 | 94.1 | 2,080.7 | 405,315.2 | | Ingresos financieros por cartera de creditos | 1,594,868.5 | 1,440,954.1 | 1,467,177.8 | 704,257.9 | 508,466.2 | 253,341.0 | 198,019.2 | 162,659.2 | 0.0 | 111,626.4 | 6,441,370.3 | | Ingresos financieros por operaciones de Reportos y valores derivados | 2,055.7 | 83.0 | 455.8 | 486.7 | 0.0 | 0.0 | 0.0 | 0.0 | 75.9 | 26.1 | 3,183.2 | | Otros ingresos financieros | 23,295.1 | 47,415.4 | 7,974.1 | 3,062.6 | 342.9 | 108.2 | 1,016.1 | 11.0 | 0.0 | 0.0 | 83,225.4 | | | | | | | | | | | | | | | Gastos financieros | 388,548.6 | 371,386.0 | 275,085.8 | 204,965.5 | 83,502.9 | 43,891.7 | 46,260.9 | 28,735.4 | 217.9 | 32,374.7 | 1,474,969.4 | | Gastos financieros por obligaciones con el público | 286,540.4 | 221,412.1 | 247,311.1 | 133,992.7 | 79,644.4 | 31,654.4 | 2,976.1 | 0.0 | 8.9 | 0.0 | 1,003,540.2 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 97,439.1 | 125,050.7 | 26,898.0 | 51,675.0 | 0.2 | 7,363.9 | 38,337.1 | 27,644.7 | 209.1 | 30,840.6 | 405,458.4 | | 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 | 1,295.5 | 23,317.3 | 0.0 | 16,993.4 | 0.0 | 4,873.3 | 0.0 | 0.0 | 0.0 | 0.0 | 46,479.6 | | 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 | 2,767.0 | 359.5 | 876.7 | 2,304.5 | 3,487.5 | 0.0 | 4,943.4 | 1,090.7 | 0.0 | 1,534.1 | 17,363.4 | | Margen financiero antes de ajuste monetario | 1,438,190.0 | 1,264,000.1 | 1,204,634.2 | 540,050.8 | 437,139.4 | 209,560.3 | 153,205.7 | 134,236.1 | -47.9 | 81,805.0 | 5,462,773.8 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 138,048.3 | 121,997.2 | 144,221.7 | 50,392.4 | 27,562.6 | 2,358.3 | 10,283.7 | 8,703.8 | 4,762.2 | 575.4 | 508,905.8 | | Margen financiero bruto | 1,576,238.3 | 1,385,997.2 | 1,348,856.0 | 590,443.3 | 464,702.0 | 211,918.6 | 163,489.5 | 142,939.9 | 4,714.3 | 82,380.4 | 5,971,679.6 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -153,081.3 | -124,589.7 | -102,226.0 | -89,393.7 | -137,354.7 | -2,433.9 | -10,279.3 | -16,325.1 | 0.0 | -7,777.6 | -643,461.4 | | Margen financiero, neto | 1,423,157.0 | 1,261,407.5 | 1,246,629.9 | 501,049.6 | 327,347.3 | 209,484.7 | 153,210.2 | 126,614.8 | 4,714.3 | 74,602.9 | 5,328,218.2 | | Ingresos (Gastos) operativos diversos, neto 1\ | 565,163.2 | 374,886.2 | 457,095.9 | 111,758.1 | 111,125.3 | 31,445.2 | 7,075.5 | 4,516.4 | 8,614.2 | 9,458.1 | 1,681,138.2 | | Ingresos operativos diversos | 595,650.7 | 506,690.8 | 519,467.6 | 177,288.2 | 130,350.6 | 39,181.1 | 11,344.8 | 5,392.0 | 9,671.9 | 10,265.6 | 2,005,303.3 | | Gastos operativos diversos | 30,487.5 | 131,804.6 | 62,371.7 | 65,530.1 | 19,225.3 | 7,735.9 | 4,269.3 | 875.6 | 1,057.6 | 807.4 | 324,165.1 | | Resultado operativo bruto | 1,988,320.2 | 1,636,293.8 | 1,703,725.8 | 612,807.8 | 438,472.6 | 240,929.9 | 160,285.6 | 131,131.2 | 13,328.6 | 84,061.0 | 7,009,356.4 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 238.1 | 2,027.0 | 1,028.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,293.4 | | Gastos de administración | 1,152,904.8 | 827,396.7 | 904,760.5 | 390,639.4 | 429,221.6 | 178,934.6 | 129,819.0 | 111,152.0 | 28,357.8 | 85,448.5 | 4,238,634.7 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 835,415.4 | 809,135.2 | 800,992.4 | 223,196.6 | 9,251.1 | 61,995.3 | 30,466.6 | 19,979.2 | -15,029.2 | -1,387.5 | 2,774,015.2 | | Contribuciones por leyes especiales (564 y 563) | 74,732.4 | 54,904.2 | 49,327.1 | 21,239.5 | 11,129.7 | 5,083.1 | 494.0 | 328.3 | 1,186.6 | 489.9 | 218,914.9 | | Gasto por Impuesto sobre la renta (Ley 453) | 220,722.4 | 214,496.4 | 233,166.2 | 59,261.3 | 7,231.7 | 19,619.9 | 10,358.9 | 6,623.5 | 0.0 | 0.0 | 771,480.2 | | Resultados del período | 539,960.6 | 539,734.7 | 518,499.1 | 142,695.7 | -9,110.3 | 37,292.4 | 19,613.7 | 13,027.4 | -16,215.8 | -1,877.4 | 1,783,620.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2014 C$ 25.9521 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2015 C$ 27.2497 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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