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BANCO CARACAS - 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 |
128,005 |
94,969 |
87,863 |
76,728 |
65,021 |
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Gross Loans |
76,211 |
53,147 |
44,472 |
31,231 |
22,978 |
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Gross Investments |
8,335 |
11,872 |
16,368 |
25,436 |
20,574 |
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Total Loan Loss Reserve |
2,606 |
2,685 |
1,801 |
1,617 |
1,054 |
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Other Assets |
2,695 |
2,939 |
1,776 |
1,201 |
901 |
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Total Deposits |
98,892 |
76,881 |
76,035 |
67,547 |
56,826 |
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Total Equity |
17,144 |
12,195 |
7,543 |
5,502 |
4,417 |
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Averages |
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Average Assets |
62,732 |
87,343 |
80,496 |
69,044 |
49,369 |
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Average Loans |
30,529 |
42,897 |
37,531 |
22,192 |
16,630 |
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Average Equity |
6,053 |
6,932 |
5,195 |
4,097 |
2,914 |
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Average Investments |
10,970 |
18,986 |
34,803 |
22,709 |
15,364 |
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Asset Quality |
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Net Interest Income |
8,725 |
9,313 |
5,724 |
5,233 |
5,847 |
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Noninterest Income |
3,641 |
1,803 |
1,191 |
548 |
397 |
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Extraordinary Gains, Net |
23 |
1,563 |
1,153 |
651 |
78 |
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Total Revenues |
14,942 |
17,137 |
12,806 |
10,318 |
9,673 |
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Loans Loss Provision |
558 |
953 |
1,094 |
563 |
825 |
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Operating Expenses |
5,245 |
4,492 |
4,027 |
3,932 |
3,906 |
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Income Tax |
371 |
206 |
253 |
54 |
40 |
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Net Income |
5,592 |
5,503 |
2,307 |
1,248 |
1,061 |
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Asset Quality |
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Total Past Due Loans |
1,088 |
927 |
746 |
1,076 |
904 |
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Loan Loss Reserve/Gross Loans |
3.42 |
5.05 |
4.05 |
5.18 |
4.59 |
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Past Due Loans / Gross Loans |
1.43 |
1.74 |
1.68 |
3.44 |
3.94 |
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Coverage of Past Due Loans |
239.55 |
289.61 |
241.33 |
150.33 |
116.53 |
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Net Past Due Loans / Equity |
(8.85) |
(14.41) |
(13.98) |
(9.84) |
(3.39) |
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Capital Adequacy |
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Equity/Assets |
13.39 |
12.84 |
8.59 |
7.17 |
6.79 |
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Equity / Gross Loans |
22.50 |
22.95 |
16.96 |
17.62 |
19.22 |
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Liquidity |
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Gross Loans / Gross Assets |
58.10 |
54.38 |
49.57 |
39.82 |
34.75 |
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Gross Loans / Deposits |
77.06 |
69.13 |
58.49 |
46.24 |
40.43 |
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Liquid Assets / Assets |
31.17 |
40.11 |
39.79 |
37.35 |
46.33 |
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Profitability |
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Return on Avg. Assets |
17.83 |
12.60 |
5.73 |
3.61 |
4.30 |
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Return on Avg. Equity |
184.75 |
158.78 |
88.82 |
60.91 |
72.81 |
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Net Interest Margin |
27.82 |
21.33 |
14.22 |
15.16 |
23.69 |
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Overhead Ratio |
60.12 |
48.24 |
70.35 |
75.13 |
66.81 |
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Operating Expenses / Avg. Assets |
16.72 |
10.29 |
10.00 |
11.39 |
15.83 |
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Noninterest Inc. / Total Revs. |
24.37 |
10.52 |
9.30 |
5.31 |
4.11 |
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Noninterest Inc. / Op. Exp. |
69.42 |
40.13 |
29.59 |
13.93 |
10.17 |
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Noninterest Inc. / Avg. Assets |
11.61 |
4.13 |
2.96 |
1.59 |
1.61 |
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Provision. / Avg. Assets |
3.29 |
5.67 |
3.68 |
3.47 |
5.33 |
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Effective Tax Rate |
6.22 |
3.60 |
9.89 |
4.11 |
3.63 |
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Productivity |
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Branches |
61 |
61 |
59 |
59 |
58 |
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Loans / Branch |
1,249 |
871 |
754 |
529 |
396 |
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Deposits / Branch |
1,621 |
1,260 |
1,289 |
1,145 |
980 |
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Growth Measures |
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Assets |
34.79 |
8.09 |
14.51 |
18.00 |
37.03 |
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Gross Loans |
43.40 |
19.51 |
42.40 |
35.92 |
15.02 |
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Deposits |
28.63 |
1.11 |
12.57 |
18.87 |
48.36 |
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Equity |
40.58 |
61.68 |
37.09 |
24.57 |
26.13 |
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Net Income |
1.61 |
138.54 |
84.89 |
17.60 |
(34.77) |
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Exch. Rate (Period-End Bs/US$) |
474.00 |
469.00 |
290.00 |
170.00 |
170.00 |
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Semester to date. Last 12 months. |
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Non performing loans plus law suit loans. Annualized. |
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June and December growth measures calculated in a semestral basis. |
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Other months growth meausres calculated in a monthly basis. |
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N/A: Not Available |
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Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements. |
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Francisco J. Faraco R. & Associates. |
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Avenida Urdaneta. Centro Financiero Latino. Piso 9. Oficina 11. |
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Caracas-Venezuela |
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Phone: (582) 562-1939 |
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Fax: (582) 561-4946 |
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E-Mail: Faracor@spai1.lat.net |
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