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BANFOANDES- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions) |
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Dec-96 |
Jun-96 |
Dec-95 |
Jun-95 |
Dec-94 |
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Balance Sheet |
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Total Assets |
31,775 |
26,554 |
19,556 |
18,795 |
15,987 |
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Gross Loans |
7,312 |
6,650 |
6,103 |
5,328 |
4,165 |
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Gross Investments |
15,036 |
10,835 |
7,748 |
7,238 |
4,285 |
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Total Loan Loss Reserve |
322 |
322 |
133 |
110 |
125 |
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Other Assets |
2,008 |
1,055 |
815 |
566 |
474 |
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Total Deposits |
26,713 |
21,007 |
16,776 |
16,570 |
13,108 |
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Total Equity |
2,783 |
2,168 |
1,501 |
1,020 |
1,058 |
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Averages |
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Average Assets |
17,119 |
22,100 |
18,760 |
16,289 |
13,054 |
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Average Loans |
4,190 |
5,974 |
7,021 |
3,337 |
2,392 |
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Average Equity |
1,163 |
1,353 |
1,067 |
842 |
601 |
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Average Investments |
7,107 |
8,536 |
8,630 |
4,832 |
2,681 |
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Asset Quality |
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Net Interest Income |
2,882 |
2,192 |
1,290 |
953 |
805 |
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Noninterest Income |
342 |
240 |
211 |
195 |
26 |
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Extraordinary Gains, Net |
48 |
295 |
289 |
41 |
167 |
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Total Revenues |
3,917 |
3,646 |
2,632 |
1,853 |
1,740 |
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Loans Loss Provision |
54 |
165 |
0 |
0 |
0 |
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Operating Expenses |
2,093 |
1,769 |
1,565 |
1,154 |
937 |
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Income Tax |
30 |
40 |
0 |
0 |
0 |
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Net Income |
604 |
690 |
196 |
33 |
48 |
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Asset Quality |
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Total Past Due Loans |
500 |
713 |
510 |
537 |
484 |
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Loan Loss Reserve/Gross Loans |
4.41 |
4.84 |
2.18 |
2.06 |
3.00 |
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Past Due Loans / Gross Loans |
6.84 |
10.72 |
8.36 |
10.07 |
11.63 |
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Coverage of Past Due Loans |
64.44 |
45.14 |
26.09 |
20.44 |
25.79 |
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Net Past Due Loans / Equity |
6.40 |
18.03 |
25.12 |
41.85 |
33.98 |
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Capital Adequacy |
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Equity/Assets |
8.76 |
8.17 |
7.68 |
5.43 |
6.62 |
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Equity / Gross Loans |
38.06 |
32.60 |
24.60 |
19.15 |
25.40 |
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Liquidity |
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Gross Loans / Gross Assets |
22.46 |
24.73 |
30.98 |
28.17 |
25.84 |
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Gross Loans / Deposits |
27.37 |
31.66 |
36.38 |
32.16 |
31.77 |
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Liquid Assets / Assets |
26.84 |
62.16 |
45.48 |
47.26 |
63.33 |
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Profitability |
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Return on Avg. Assets |
7.05 |
6.25 |
2.09 |
0.40 |
0.73 |
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Return on Avg. Equity |
103.77 |
102.04 |
36.78 |
7.77 |
15.93 |
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Net Interest Margin |
33.67 |
19.84 |
13.76 |
11.71 |
12.33 |
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Overhead Ratio |
72.63 |
80.70 |
121.26 |
121.05 |
116.43 |
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Operating Expenses / Avg. Assets |
24.45 |
16.01 |
16.68 |
14.17 |
14.36 |
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Noninterest Inc. / Total Revs. |
8.74 |
6.60 |
8.02 |
10.51 |
1.48 |
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Noninterest Inc. / Op. Exp. |
16.36 |
13.60 |
13.49 |
16.87 |
2.75 |
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Noninterest Inc. / Avg. Assets |
4.00 |
2.18 |
2.25 |
2.39 |
0.40 |
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Provision. / Avg. Assets |
5.78 |
2.06 |
0.31 |
0.03 |
0.20 |
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Effective Tax Rate |
4.73 |
5.48 |
0.00 |
0.00 |
0.00 |
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Productivity |
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Branches |
40 |
40 |
40 |
40 |
39 |
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Loans / Branch |
183 |
166 |
153 |
133 |
107 |
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Deposits / Branch |
668 |
525 |
419 |
414 |
336 |
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Growth Measures |
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Assets |
19.66 |
35.79 |
4.05 |
17.56 |
29.59 |
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Gross Loans |
9.95 |
8.97 |
14.53 |
27.93 |
88.53 |
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Deposits |
27.16 |
25.22 |
1.25 |
26.41 |
32.51 |
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Equity |
28.35 |
44.43 |
47.13 |
(3.55) |
76.23 |
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Net Income |
(12.56) |
251.86 |
499.27 |
(31.59) |
(41.40) |
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Exch. Rate (Period-End Bs/US$) |
474.00 |
469.00 |
290.00 |
170.00 |
170.00 |
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Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements. |
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E-Mail: Faracor@spai1.lat.net |
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