| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 2,154,087.3 | 1,927,497.5 | 1,744,780.2 | 878,665.5 | 609,438.5 | 297,849.0 | 425.8 | 235,946.5 | 191,751.4 | 137,255.0 | 8,177,696.8 | | Ingresos financieros por disponibilidades | 1,638.1 | 968.4 | 375.1 | 1,062.6 | 112.8 | 2.8 | 0.0 | 453.0 | 371.5 | 454.2 | 5,438.5 | | Ingresos por inversiones en valores | 240,792.7 | 170,248.0 | 7,291.6 | 42,485.4 | 16,490.9 | 0.0 | 314.5 | 35.4 | 0.0 | 2,616.6 | 480,275.1 | | Ingresos financieros por cartera de creditos | 1,881,672.5 | 1,693,469.5 | 1,727,984.3 | 830,336.8 | 591,764.3 | 297,734.2 | 2.4 | 234,248.3 | 191,366.1 | 134,158.0 | 7,582,736.3 | | Ingresos financieros por operaciones de Reportos y valores derivados | 2,594.8 | 163.1 | 455.8 | 695.7 | 0.0 | 0.3 | 108.9 | 0.0 | 0.0 | 26.1 | 4,044.7 | | Otros ingresos financieros | 27,389.4 | 62,648.5 | 8,673.3 | 4,085.0 | 1,070.6 | 111.8 | 0.0 | 1,209.9 | 13.8 | 0.0 | 105,202.1 | | | | | | | | | | | | | | | Gastos financieros | 462,652.7 | 440,494.1 | 325,635.2 | 243,627.5 | 97,010.0 | 51,986.9 | 292.1 | 54,666.5 | 34,246.5 | 38,802.6 | 1,749,414.2 | | Gastos financieros por obligaciones con el público | 339,312.7 | 263,993.6 | 292,376.0 | 158,547.6 | 92,713.5 | 37,452.4 | 29.7 | 3,759.9 | 0.0 | 0.0 | 1,188,185.4 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 118,588.2 | 146,902.1 | 30,564.9 | 62,487.1 | 0.2 | 8,814.6 | 262.4 | 45,344.0 | 32,944.3 | 36,714.3 | 482,622.2 | | Gastos financieros por otras cuentas por pagar | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.3 | 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 | 1,461.9 | 27,575.6 | 0.0 | 19,909.5 | 0.0 | 5,719.9 | 0.0 | 0.0 | 0.0 | 0.0 | 54,666.9 | | Gastos financieros por operaciones de valores y derivados | 506.6 | 1,416.8 | 488.6 | 0.0 | 524.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,936.9 | | Otros gastos financieros | 2,783.3 | 606.0 | 2,205.7 | 2,683.3 | 3,771.4 | 0.0 | 0.0 | 5,558.3 | 1,302.3 | 2,088.3 | 20,998.5 | | Margen financiero antes de ajuste monetario | 1,691,434.6 | 1,487,003.4 | 1,419,144.9 | 635,037.9 | 512,428.5 | 245,862.1 | 133.7 | 181,280.1 | 157,504.9 | 98,452.4 | 6,428,282.5 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 161,408.5 | 144,901.1 | 172,298.3 | 59,077.8 | 31,694.1 | 2,796.9 | 5,663.0 | 12,114.9 | 10,226.9 | 716.5 | 600,897.9 | | Margen financiero bruto | 1,852,843.1 | 1,631,904.5 | 1,591,443.2 | 694,115.7 | 544,122.6 | 248,659.0 | 5,796.7 | 193,394.9 | 167,731.8 | 99,168.9 | 7,029,180.4 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -178,345.8 | -143,410.9 | -126,239.0 | -103,434.0 | -156,139.4 | -4,019.9 | -95.8 | -12,555.5 | -19,938.5 | -9,943.3 | -754,122.1 | | Margen financiero, neto | 1,674,497.4 | 1,488,493.6 | 1,465,204.2 | 590,681.7 | 387,983.2 | 244,639.0 | 5,700.9 | 180,839.4 | 147,793.3 | 89,225.7 | 6,275,058.4 | | Ingresos (Gastos) operativos diversos, neto 1\ | 654,311.0 | 441,676.5 | 536,751.5 | 132,991.7 | 129,341.8 | 36,485.9 | 21,997.6 | 9,111.9 | 5,264.7 | 11,108.5 | 1,979,041.2 | | Ingresos operativos diversos | 704,732.5 | 608,214.3 | 620,501.9 | 218,019.9 | 152,182.2 | 45,984.5 | 23,674.5 | 13,694.3 | 6,414.8 | 12,071.4 | 2,405,490.2 | | Gastos operativos diversos | 50,421.4 | 166,537.8 | 83,750.4 | 85,028.2 | 22,840.4 | 9,498.6 | 1,676.9 | 4,582.4 | 1,150.1 | 962.9 | 426,449.0 | | Resultado operativo bruto | 2,328,808.4 | 1,930,170.1 | 2,001,955.7 | 723,673.4 | 517,325.1 | 281,125.0 | 27,698.5 | 189,951.3 | 153,058.0 | 100,334.2 | 8,254,099.6 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 238.1 | 1,943.7 | 1,028.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,210.1 | | Gastos de administración | 1,360,715.3 | 971,070.2 | 1,071,469.3 | 454,884.5 | 490,479.7 | 215,636.7 | 37,225.4 | 153,214.8 | 131,657.3 | 101,293.9 | 4,987,647.2 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 968,093.1 | 959,338.0 | 932,430.1 | 269,817.1 | 26,845.3 | 65,488.3 | -9,526.9 | 36,736.5 | 21,400.7 | -959.7 | 3,269,662.5 | | Contribuciones por leyes especiales (564 y 563) | 87,269.9 | 64,116.0 | 57,605.4 | 24,805.1 | 12,998.8 | 5,937.1 | 1,837.7 | 576.3 | 383.0 | 571.5 | 256,100.9 | | Gasto por Impuesto sobre la renta (Ley 453) | 257,958.8 | 263,991.1 | 271,689.9 | 72,026.9 | 11,971.5 | 19,656.8 | 0.0 | 12,417.4 | 7,149.9 | 0.0 | 916,862.4 | | Resultados del período | 622,864.4 | 631,230.9 | 603,134.8 | 172,985.2 | 1,875.0 | 39,894.3 | -11,364.6 | 23,742.7 | 13,867.7 | -1,531.2 | 2,096,699.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2014 C$ 26.0599 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2015 C$ 27.3629 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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