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BANCO EXTEBANDES- 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 |
|
Total Assets |
22,733 |
16,043 |
11,788 |
11,309 |
6,190 |
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Gross Loans |
13,310 |
7,425 |
5,395 |
5,972 |
1,723 |
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Gross Investments |
5,303 |
1,129 |
1,989 |
1,927 |
469 |
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Total Loan Loss Reserve |
184 |
165 |
130 |
120 |
81 |
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Other Assets |
582 |
180 |
91 |
151 |
57 |
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Total Deposits |
13,470 |
10,537 |
8,203 |
9,363 |
4,815 |
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Total Equity |
4,010 |
3,054 |
1,319 |
913 |
648 |
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Averages |
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Average Assets |
10,221 |
13,178 |
10,132 |
7,214 |
4,598 |
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Average Loans |
4,075 |
5,890 |
5,688 |
2,633 |
1,145 |
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Average Equity |
1,314 |
1,294 |
837 |
581 |
413 |
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Average Investments |
1,773 |
1,896 |
3,103 |
1,113 |
630 |
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Asset Quality |
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Net Interest Income |
1,449 |
912 |
551 |
291 |
268 |
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Noninterest Income |
489 |
457 |
351 |
341 |
207 |
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Extraordinary Gains, Net |
0 |
27 |
28 |
13 |
11 |
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Total Revenues |
2,792 |
2,389 |
1,772 |
1,174 |
898 |
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Loans Loss Provision |
2 |
35 |
10 |
39 |
29 |
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Operating Expenses |
883 |
560 |
444 |
304 |
206 |
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Income Tax |
0 |
0 |
60 |
29 |
22 |
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Net Income |
956 |
791 |
405 |
265 |
215 |
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Asset Quality |
|
Total Past Due Loans |
1 |
135 |
30 |
109 |
142 |
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Loan Loss Reserve/Gross Loans |
1.39 |
2.22 |
2.41 |
2.01 |
4.68 |
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Past Due Loans / Gross Loans |
0.01 |
1.82 |
0.55 |
1.83 |
8.24 |
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Coverage of Past Due Loans |
17,576.55 |
121.92 |
434.72 |
109.69 |
56.73 |
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Net Past Due Loans / Equity |
(4.57) |
(0.97) |
(7.59) |
(1.16) |
9.48 |
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Capital Adequacy |
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Equity/Assets |
17.64 |
19.03 |
11.19 |
8.08 |
10.47 |
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Equity / Gross Loans |
30.13 |
41.13 |
24.44 |
15.29 |
37.62 |
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Liquidity |
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Gross Loans / Gross Assets |
57.92 |
45.81 |
45.27 |
52.26 |
27.47 |
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Gross Loans / Deposits |
98.81 |
70.47 |
65.78 |
63.79 |
35.77 |
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Liquid Assets / Assets |
15.49 |
53.02 |
48.08 |
44.52 |
68.20 |
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Profitability |
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Return on Avg. Assets |
18.71 |
12.00 |
8.00 |
7.35 |
9.36 |
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Return on Avg. Equity |
145.52 |
122.22 |
96.94 |
91.38 |
104.27 |
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Net Interest Margin |
28.36 |
13.84 |
10.88 |
8.07 |
11.65 |
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Overhead Ratio |
60.91 |
61.44 |
80.53 |
104.51 |
76.90 |
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Operating Expenses / Avg. Assets |
17.27 |
8.50 |
8.76 |
8.43 |
8.96 |
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Noninterest Inc. / Total Revs. |
17.52 |
19.11 |
19.82 |
29.04 |
23.09 |
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Noninterest Inc. / Op. Exp. |
55.41 |
81.48 |
79.18 |
112.07 |
100.60 |
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Noninterest Inc. / Avg. Assets |
9.57 |
6.93 |
6.94 |
9.45 |
9.02 |
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Provision. / Avg. Assets |
1.25 |
0.67 |
0.42 |
1.28 |
1.87 |
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Effective Tax Rate |
0.00 |
0.00 |
12.89 |
9.92 |
9.28 |
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Productivity |
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Branches |
3 |
3 |
3 |
3 |
3 |
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Loans / Branch |
4,437 |
2,475 |
1,798 |
1,991 |
574 |
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Deposits / Branch |
4,490 |
3,512 |
2,734 |
3,121 |
1,605 |
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Growth Measures |
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Assets |
41.70 |
36.10 |
4.23 |
82.70 |
61.99 |
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Gross Loans |
79.25 |
37.63 |
(9.66) |
246.71 |
58.07 |
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Deposits |
27.83 |
28.46 |
(12.39) |
94.44 |
207.98 |
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Equity |
31.31 |
131.56 |
44.40 |
40.93 |
49.69 |
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Net Income |
20.88 |
95.07 |
52.88 |
23.30 |
134.56 |
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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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