| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Ingresos financieros | 824,819.2 | 699,357.1 | 685,150.8 | 330,794.1 | 303,952.7 | 101,077.8 | 21,393.7 | 101,307.6 | 75,283.6 | 77,246.1 | 120,871.4 | 3,341,254.1 | | Ingresos financieros por disponibilidades | 2,100.7 | 639.0 | 457.6 | 348.2 | 268.1 | 0.0 | 778.7 | 100.4 | 108.6 | 148.3 | 240.3 | 5,190.0 | | Ingresos por inversiones en valores | 68,801.4 | 70,066.7 | 7,891.9 | 11,546.0 | 13,280.3 | 0.0 | 618.4 | 0.0 | 0.0 | 339.5 | 0.2 | 172,544.6 | | Ingresos financieros por cartera de creditos | 744,544.6 | 617,487.2 | 674,026.5 | 317,599.1 | 287,484.1 | 100,832.6 | 17,577.7 | 100,419.7 | 75,168.8 | 76,551.9 | 91,640.3 | 3,103,332.4 | | Ingresos financieros por operaciones de Reportos y valores derivados | 1,330.6 | 303.4 | 110.3 | 181.5 | 2,039.4 | 245.2 | 2,134.4 | 4.1 | 0.0 | 206.4 | 0.0 | 6,555.4 | | Otros ingresos financieros | 8,041.9 | 10,860.8 | 2,664.5 | 1,119.3 | 880.8 | 0.0 | 284.4 | 783.4 | 6.2 | 0.0 | 28,990.6 | 53,631.8 | | | | | | | | | | | | | | | | Gastos financieros | 200,579.1 | 160,007.5 | 136,870.6 | 105,746.9 | 56,635.7 | 25,259.0 | 2,375.3 | 25,357.2 | 16,776.6 | 20,854.7 | 21,572.3 | 772,034.8 | | Gastos financieros por obligaciones con el público | 141,495.9 | 95,090.0 | 86,805.9 | 57,584.7 | 42,928.9 | 12,711.9 | 2,252.4 | 2,788.0 | 0.0 | 468.9 | 0.0 | 442,126.6 | | Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 49,193.9 | 54,382.6 | 46,519.4 | 40,961.1 | 11,698.1 | 9,434.7 | 122.9 | 20,636.6 | 13,143.5 | 17,381.7 | 18,426.8 | 281,901.3 | | 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 | 9,889.3 | 9,319.0 | 0.0 | 6,173.6 | 0.0 | 2,489.9 | 0.0 | 0.0 | 1,560.2 | 1,602.4 | 1,447.6 | 32,481.9 | | Gastos financieros por operaciones de valores y derivados | 0.0 | 1,215.9 | 459.7 | 0.0 | 1,365.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,041.0 | | Otros gastos financieros | 0.0 | 0.0 | 3,085.5 | 1,027.5 | 643.4 | 622.5 | 0.0 | 1,932.6 | 2,072.9 | 1,401.6 | 1,698.0 | 12,484.0 | | Margen financiero antes de ajuste monetario | 624,240.1 | 539,349.6 | 548,280.2 | 225,047.3 | 247,317.0 | 75,818.8 | 19,018.4 | 75,950.4 | 58,507.0 | 56,391.4 | 99,299.1 | 2,569,219.4 | | Ingresos (Gastos) netos por ajustes monetarios 1\ | 51,579.6 | 57,479.1 | 65,029.2 | 18,660.7 | 10,150.8 | 2,125.4 | 9,406.3 | 4,006.2 | 2,663.4 | 1,240.8 | 2,927.5 | 225,268.9 | | Margen financiero bruto | 675,819.7 | 596,828.7 | 613,309.4 | 243,708.0 | 257,467.8 | 77,944.2 | 28,424.7 | 79,956.6 | 61,170.3 | 57,632.2 | 102,226.6 | 2,794,488.3 | | Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -81,562.0 | -57,904.4 | -28,868.1 | -56,327.1 | -42,251.7 | -8,574.0 | -4,852.8 | -9,658.1 | -3,867.3 | -12,206.4 | -7,691.1 | -313,762.9 | | Margen financiero, neto | 594,257.7 | 538,924.3 | 584,441.3 | 187,380.9 | 215,216.1 | 69,370.2 | 23,572.0 | 70,298.5 | 57,303.1 | 45,425.8 | 94,535.5 | 2,480,725.3 | | Ingresos (Gastos) operativos diversos, neto 1\ | 235,520.8 | 139,642.3 | 204,702.1 | 45,797.1 | 52,551.3 | 11,216.4 | 13,082.1 | 3,920.3 | 1,676.5 | -228.5 | 4,260.9 | 712,141.4 | | Ingresos operativos diversos | 271,422.2 | 237,505.3 | 215,325.4 | 78,800.2 | 71,387.8 | 16,393.9 | 14,159.3 | 7,827.1 | 2,123.3 | 1,652.6 | 6,957.1 | 923,554.3 | | Gastos operativos diversos | 35,901.4 | 97,863.0 | 10,623.3 | 33,003.1 | 18,836.5 | 5,177.5 | 1,077.2 | 3,906.8 | 446.8 | 1,881.2 | 2,696.2 | 211,413.0 | | Resultado operativo bruto | 829,778.5 | 678,566.6 | 789,143.4 | 233,177.9 | 267,767.4 | 80,586.6 | 36,654.1 | 74,218.8 | 58,979.6 | 45,197.2 | 98,796.3 | 3,192,866.7 | | Participacion en resultado de subsidiarias y asociadas | 0.0 | 0.0 | 286.3 | 1,997.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,283.4 | | Gastos de administración | 491,971.2 | 347,781.0 | 393,995.5 | 159,349.0 | 190,438.7 | 64,414.6 | 26,005.3 | 56,231.4 | 48,080.3 | 44,251.9 | 87,541.1 | 1,910,060.1 | | Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 337,807.3 | 330,785.7 | 395,434.2 | 75,826.0 | 77,328.7 | 16,172.1 | 10,648.8 | 17,987.4 | 10,899.3 | 945.3 | 11,255.2 | 1,285,090.0 | | Contribuciones por leyes especiales (564 y 563) | 28,648.9 | 21,562.7 | 21,407.3 | 8,537.7 | 4,497.7 | 1,931.6 | 4,140.1 | 240.7 | 187.3 | 208.6 | 416.6 | 91,779.3 | | Gasto por Impuesto sobre la renta (Ley 453) | 90,646.7 | 93,440.4 | 114,888.2 | 19,097.1 | 21,861.7 | 4,380.0 | 1,952.6 | 5,698.6 | 3,764.2 | 1,506.1 | 0.0 | 357,235.7 | | Resultados del período | 218,511.6 | 215,782.6 | 259,138.7 | 48,191.2 | 50,969.3 | 9,860.5 | 4,556.1 | 12,048.1 | 6,947.7 | -769.4 | 10,838.6 | 836,075.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2016 C$ 28.1526 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2017 C$ 29.5569 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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