| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Ingresos financieros | 700,611.6 | 641,943.8 | 589,415.8 | 290,080.3 | 192,793.7 | 90,853.7 | 8,042.1 | 82,711.1 | 65,333.7 | 55,645.3 | 2,717,431.1 | | Ingresos financieros por disponibilidades | 461.3 | 264.6 | 92.3 | 354.6 | 33.2 | 0.0 | 1,133.8 | 127.6 | 142.7 | 72.0 | 2,682.1 | | Ingresos por inversiones en valores | 61,907.7 | 63,792.9 | 8,271.0 | 10,653.3 | 5,381.1 | 0.0 | 66.9 | 0.0 | 0.0 | 797.1 | 150,870.0 | | Ingresos financieros por cartera de creditos | 624,356.4 | 562,640.0 | 577,470.3 | 277,375.4 | 186,646.8 | 90,853.7 | 4,203.6 | 82,155.3 | 65,187.5 | 54,759.6 | 2,525,648.5 | | Ingresos financieros por operaciones de Reportos y valores derivados | 2,369.3 | 82.2 | 0.0 | 260.4 | 0.0 | 0.0 | 2,606.8 | 0.0 | 0.0 | 16.7 | 5,335.5 | | Otros ingresos financieros | 11,516.9 | 15,164.0 | 3,582.3 | 1,436.6 | 732.5 | 0.0 | 31.0 | 428.2 | 3.5 | 0.0 | 32,895.0 | | | | | | | | | | | | | | | Gastos financieros | 153,371.5 | 142,183.2 | 110,553.1 | 88,819.7 | 34,624.3 | 18,232.8 | 1,716.1 | 19,737.2 | 13,216.6 | 16,105.9 | 598,560.5 | | Gastos financieros por obligaciones con el público | 110,784.6 | 83,166.8 | 87,100.5 | 58,891.6 | 32,375.1 | 12,217.3 | 1,603.5 | 1,364.9 | 0.0 | 0.0 | 387,504.2 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 42,329.4 | 47,651.1 | 20,967.3 | 23,242.1 | 1,220.5 | 4,333.0 | 112.2 | 16,283.3 | 11,616.6 | 14,078.9 | 181,834.4 | | 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 | | 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 | 257.5 | 9,557.7 | 0.0 | 5,765.0 | 0.0 | 1,682.5 | 0.0 | 0.0 | 974.0 | 508.0 | 18,744.7 | | Gastos financieros por operaciones de valores y derivados | 0.0 | 1,807.7 | 678.4 | 0.0 | 896.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,382.5 | | Otros gastos financieros | 0.0 | 0.0 | 1,806.9 | 921.0 | 132.2 | 0.0 | 0.5 | 2,089.0 | 626.1 | 1,519.0 | 7,094.6 | | Margen financiero antes de ajuste monetario | 547,240.1 | 499,760.6 | 478,862.8 | 201,260.7 | 158,169.4 | 72,620.8 | 6,326.0 | 62,973.8 | 52,117.1 | 39,539.4 | 2,118,870.7 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 45,252.8 | 45,665.2 | 62,150.8 | 17,454.2 | 9,003.6 | 1,933.1 | 3,920.6 | 4,479.2 | 2,852.4 | 462.3 | 193,174.3 | | Margen financiero bruto | 592,492.9 | 545,425.8 | 541,013.5 | 218,714.9 | 167,173.1 | 74,554.0 | 10,246.6 | 67,453.1 | 54,969.5 | 40,001.7 | 2,312,045.0 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -63,084.3 | -52,507.0 | -15,458.8 | -31,115.4 | -32,450.6 | -9,359.9 | -556.2 | -5,911.4 | -5,991.5 | -2,951.6 | -219,386.7 | | Margen financiero, neto | 529,408.6 | 492,918.8 | 525,554.7 | 187,599.5 | 134,722.4 | 65,194.1 | 9,690.4 | 61,541.7 | 48,978.0 | 37,050.1 | 2,092,658.3 | | Ingresos (Gastos) operativos diversos, neto 1\ | 195,761.8 | 129,527.2 | 181,501.1 | 40,024.1 | 32,792.3 | 9,337.1 | 14,077.6 | 3,020.6 | 1,489.2 | 2,437.7 | 609,968.9 | | Ingresos operativos diversos | 260,699.4 | 202,908.5 | 239,680.0 | 78,982.6 | 49,415.0 | 13,129.9 | 38,945.0 | 4,393.4 | 2,541.3 | 3,236.1 | 893,931.3 | | Gastos operativos diversos | 64,937.6 | 73,381.4 | 58,178.9 | 38,958.5 | 16,622.6 | 3,792.8 | 24,867.4 | 1,372.8 | 1,052.1 | 798.4 | 283,962.5 | | Resultado operativo bruto | 725,170.4 | 622,446.0 | 707,055.9 | 227,623.6 | 167,514.8 | 74,531.2 | 23,767.9 | 64,562.3 | 50,467.2 | 39,487.9 | 2,702,627.1 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 859.8 | 448.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,308.3 | | Gastos de administración | 427,209.0 | 308,742.2 | 353,363.7 | 147,015.3 | 144,902.3 | 65,945.6 | 21,877.5 | 49,529.6 | 40,898.7 | 35,068.3 | 1,594,552.0 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 297,961.4 | 313,703.8 | 354,552.1 | 81,056.8 | 22,612.5 | 8,585.6 | 1,890.5 | 15,032.7 | 9,568.6 | 4,419.5 | 1,109,383.4 | | Contribuciones por leyes especiales (564 y 563) | 27,356.9 | 20,343.4 | 19,302.0 | 7,728.0 | 3,989.7 | 1,748.4 | 1,656.7 | 199.5 | 143.4 | 154.1 | 82,622.2 | | Gasto por Impuesto sobre la renta (Ley 453) | 83,490.7 | 85,781.5 | 103,553.3 | 20,574.0 | 5,603.5 | 2,261.5 | 0.0 | 5,183.5 | 3,680.0 | 691.4 | 310,819.4 | | Resultados del período | 187,113.8 | 207,578.9 | 231,696.7 | 52,754.8 | 13,019.2 | 4,575.8 | 233.7 | 9,649.6 | 5,745.2 | 3,574.0 | 715,941.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2015 C$ 26.8090 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2016 C$ 28.1526 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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