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BANCO CAPITAL - 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 |
40,945 |
33,004 |
17,101 |
16,424 |
12,559 |
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Gross Loans |
4,923 |
7,032 |
5,349 |
5,117 |
4,431 |
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Gross Investments |
23,123 |
15,492 |
7,415 |
5,297 |
3,555 |
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Total Loan Loss Reserve |
802 |
1,214 |
554 |
440 |
377 |
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Other Assets |
117 |
694 |
346 |
262 |
248 |
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Total Deposits |
35,960 |
29,727 |
14,902 |
14,391 |
10,829 |
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Total Equity |
2,703 |
1,561 |
1,179 |
909 |
770 |
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Averages |
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Average Assets |
18,677 |
21,369 |
16,282 |
13,340 |
10,732 |
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Average Loans |
3,134 |
4,595 |
6,286 |
3,428 |
3,408 |
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Average Equity |
882 |
1,099 |
883 |
810 |
698 |
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Average Investments |
9,278 |
8,938 |
7,435 |
3,948 |
2,030 |
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Asset Quality |
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Net Interest Income |
1,865 |
1,171 |
725 |
695 |
501 |
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Noninterest Income |
150 |
32 |
57 |
58 |
22 |
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Extraordinary Gains, Net |
0 |
658 |
446 |
66 |
30 |
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Total Revenues |
5,316 |
4,214 |
2,797 |
1,798 |
1,717 |
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Loans Loss Provision |
0 |
660 |
200 |
63 |
41 |
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Operating Expenses |
1,102 |
749 |
737 |
489 |
484 |
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Income Tax |
0 |
40 |
16 |
12 |
0 |
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Net Income |
743 |
381 |
270 |
139 |
12 |
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Asset Quality |
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Total Past Due Loans |
632 |
515 |
95 |
462 |
605 |
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Loan Loss Reserve/Gross Loans |
16.30 |
17.27 |
10.36 |
8.60 |
8.51 |
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Past Due Loans / Gross Loans |
12.83 |
7.32 |
1.77 |
9.03 |
13.65 |
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Coverage of Past Due Loans |
127.04 |
235.88 |
586.10 |
95.19 |
62.35 |
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Net Past Due Loans / Equity |
(6.32) |
(44.82) |
(38.97) |
2.44 |
29.55 |
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Capital Adequacy |
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Equity/Assets |
6.60 |
4.73 |
6.90 |
5.53 |
6.13 |
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Equity / Gross Loans |
54.92 |
22.19 |
22.05 |
17.77 |
17.39 |
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Liquidity |
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Gross Loans / Gross Assets |
11.69 |
20.53 |
30.28 |
30.33 |
34.24 |
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Gross Loans / Deposits |
13.69 |
23.65 |
35.89 |
35.56 |
40.92 |
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Liquid Assets / Assets |
29.23 |
75.72 |
62.70 |
64.62 |
35.25 |
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Profitability |
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Return on Avg. Assets |
7.95 |
3.57 |
3.32 |
2.08 |
0.22 |
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Return on Avg. Equity |
168.38 |
69.38 |
61.24 |
34.22 |
3.44 |
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Net Interest Margin |
19.97 |
10.96 |
8.91 |
10.42 |
9.34 |
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Overhead Ratio |
59.10 |
63.96 |
101.65 |
70.41 |
96.44 |
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Operating Expenses / Avg. Assets |
11.80 |
7.01 |
9.06 |
7.33 |
9.01 |
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Noninterest Inc. / Total Revs. |
2.81 |
0.76 |
2.06 |
3.21 |
1.26 |
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Noninterest Inc. / Op. Exp. |
13.57 |
4.27 |
7.80 |
11.80 |
4.47 |
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Noninterest Inc. / Avg. Assets |
1.60 |
0.30 |
0.71 |
0.87 |
0.40 |
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Provision. / Avg. Assets |
0.61 |
6.47 |
2.52 |
2.68 |
1.07 |
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Effective Tax Rate |
0.00 |
9.50 |
5.42 |
7.66 |
0.00 |
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Productivity |
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Branches |
16 |
23 |
22 |
22 |
24 |
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Loans / Branch |
308 |
306 |
243 |
233 |
185 |
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Deposits / Branch |
2,247 |
1,292 |
677 |
654 |
451 |
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Growth Measures |
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Assets |
24.06 |
92.99 |
4.13 |
30.77 |
25.04 |
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Gross Loans |
(29.99) |
31.47 |
4.53 |
15.47 |
27.74 |
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Deposits |
20.97 |
99.49 |
3.55 |
32.89 |
32.62 |
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Equity |
73.23 |
32.31 |
29.75 |
18.00 |
(7.23) |
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Net Income |
94.89 |
40.91 |
95.07 |
1,055.36 |
(91.46) |
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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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