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BANCO DEL CARIBE- 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 |
237,947 |
181,397 |
152,163 |
134,870 |
87,526 |
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Gross Loans |
138,685 |
101,471 |
78,412 |
50,207 |
31,570 |
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Gross Investments |
44,882 |
35,256 |
35,571 |
52,296 |
26,761 |
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Total Loan Loss Reserve |
5,576 |
4,453 |
3,003 |
1,860 |
1,160 |
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Other Assets |
633 |
2,309 |
1,361 |
2,150 |
989 |
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Total Deposits |
181,677 |
151,949 |
135,494 |
121,109 |
74,677 |
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Total Equity |
30,332 |
20,036 |
12,006 |
8,233 |
6,114 |
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Averages |
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Average Assets |
117,294 |
155,617 |
130,578 |
98,587 |
57,982 |
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Average Loans |
57,791 |
78,986 |
64,145 |
32,290 |
20,249 |
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Average Equity |
10,019 |
11,103 |
7,664 |
5,357 |
3,594 |
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Average Investments |
29,870 |
44,329 |
60,290 |
32,339 |
12,213 |
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Asset Quality |
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Net Interest Income |
24,192 |
17,489 |
11,229 |
6,405 |
6,268 |
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Noninterest Income |
1,222 |
1,338 |
1,035 |
1,486 |
437 |
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Extraordinary Gains, Net |
99 |
617 |
203 |
35 |
18 |
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Total Revenues |
32,228 |
34,897 |
23,853 |
15,670 |
11,768 |
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Loans Loss Provision |
1,178 |
1,449 |
1,190 |
716 |
427 |
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Operating Expenses |
11,562 |
8,666 |
6,569 |
3,970 |
3,490 |
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Income Tax |
500 |
200 |
460 |
300 |
300 |
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Net Income |
11,406 |
8,923 |
4,192 |
2,279 |
2,490 |
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Asset Quality |
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Total Past Due Loans |
2,389 |
2,286 |
2,150 |
1,923 |
1,770 |
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Loan Loss Reserve/Gross Loans |
4.02 |
4.39 |
3.83 |
3.71 |
3.68 |
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Past Due Loans / Gross Loans |
1.72 |
2.25 |
2.74 |
3.83 |
5.61 |
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Coverage of Past Due Loans |
233.38 |
194.75 |
139.70 |
96.72 |
65.53 |
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Net Past Due Loans / Equity |
(10.51) |
(10.81) |
(7.11) |
0.77 |
9.98 |
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Capital Adequacy |
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Equity/Assets |
12.75 |
11.05 |
7.89 |
6.10 |
6.98 |
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Equity / Gross Loans |
21.87 |
19.75 |
15.31 |
16.40 |
19.37 |
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Liquidity |
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Gross Loans / Gross Assets |
56.83 |
54.59 |
50.52 |
36.71 |
35.58 |
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Gross Loans / Deposits |
76.34 |
66.78 |
57.87 |
41.46 |
42.28 |
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Liquid Assets / Assets |
23.00 |
30.44 |
24.40 |
32.49 |
43.52 |
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Profitability |
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Return on Avg. Assets |
19.45 |
11.47 |
6.42 |
4.62 |
8.59 |
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Return on Avg. Equity |
227.69 |
160.73 |
109.40 |
85.08 |
138.55 |
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Net Interest Margin |
41.25 |
22.48 |
17.20 |
12.99 |
21.62 |
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Overhead Ratio |
47.79 |
49.55 |
58.50 |
61.98 |
55.68 |
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Operating Expenses / Avg. Assets |
19.71 |
11.14 |
10.06 |
8.05 |
12.04 |
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Noninterest Inc. / Total Revs. |
3.79 |
3.83 |
4.34 |
9.48 |
3.71 |
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Noninterest Inc. / Op. Exp. |
10.57 |
15.43 |
15.75 |
37.43 |
12.51 |
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Noninterest Inc. / Avg. Assets |
2.08 |
1.72 |
1.58 |
3.01 |
1.51 |
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Provision. / Avg. Assets |
2.83 |
2.13 |
1.91 |
2.80 |
1.53 |
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Effective Tax Rate |
4.20 |
2.19 |
9.89 |
11.63 |
10.75 |
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Productivity |
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Branches |
83 |
80 |
80 |
80 |
80 |
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Loans / Branch |
1,671 |
1,268 |
980 |
628 |
395 |
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Deposits / Branch |
2,189 |
1,899 |
1,694 |
1,514 |
933 |
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Growth Measures |
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Assets |
31.17 |
19.21 |
12.82 |
54.09 |
93.36 |
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Gross Loans |
36.67 |
29.41 |
56.18 |
59.03 |
55.49 |
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Deposits |
19.56 |
12.14 |
11.88 |
62.18 |
108.86 |
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Equity |
51.38 |
66.89 |
45.83 |
34.66 |
57.86 |
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Net Income |
27.83 |
112.84 |
83.99 |
(8.48) |
100.46 |
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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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