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BANCO GANADERO- 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 |
3,575 |
2,897 |
2,816 |
2,034 |
1,631 |
|
Gross Loans |
1,498 |
1,336 |
874 |
685 |
308 |
|
Gross Investments |
1,073 |
1,002 |
582 |
327 |
421 |
|
Total Loan Loss Reserve |
66 |
66 |
59 |
55 |
6 |
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Other Assets |
15 |
32 |
31 |
34 |
39 |
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Total Deposits |
1,172 |
1,104 |
1,071 |
685 |
672 |
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Total Equity |
1,257 |
1,640 |
1,102 |
822 |
748 |
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Averages |
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Average Assets |
2,112 |
2,827 |
2,140 |
1,522 |
969 |
|
Average Loans |
696 |
974 |
873 |
230 |
109 |
|
Average Equity |
799 |
1,030 |
815 |
733 |
667 |
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Average Investments |
582 |
673 |
799 |
357 |
220 |
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Asset Quality |
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Net Interest Income |
244 |
277 |
210 |
111 |
112 |
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Noninterest Income |
47 |
170 |
172 |
114 |
26 |
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Extraordinary Gains, Net |
1 |
319 |
93 |
2 |
11 |
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Total Revenues |
364 |
869 |
521 |
272 |
165 |
|
Loans Loss Provision |
0 |
8 |
2 |
49 |
1 |
|
Operating Expenses |
245 |
199 |
182 |
100 |
96 |
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Income Tax |
0 |
0 |
0 |
2 |
2 |
|
Net Income |
38 |
538 |
280 |
74 |
50 |
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Asset Quality |
|
Total Past Due Loans |
55 |
65 |
29 |
41 |
4 |
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Loan Loss Reserve/Gross Loans |
4.44 |
4.98 |
6.71 |
7.99 |
1.95 |
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Past Due Loans / Gross Loans |
3.69 |
4.89 |
3.27 |
6.05 |
1.30 |
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Coverage of Past Due Loans |
120.26 |
101.83 |
205.18 |
132.10 |
150.00 |
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Net Past Due Loans / Equity |
(0.89) |
(0.07) |
(2.73) |
(1.62) |
(0.27) |
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Capital Adequacy |
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Equity/Assets |
35.16 |
56.59 |
39.12 |
40.42 |
45.86 |
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Equity / Gross Loans |
83.90 |
122.77 |
126.03 |
120.01 |
242.86 |
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Liquidity |
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Gross Loans / Gross Assets |
40.81 |
44.60 |
30.29 |
32.76 |
18.81 |
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Gross Loans / Deposits |
127.80 |
121.02 |
81.63 |
99.93 |
45.83 |
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Liquid Assets / Assets |
29.82 |
19.21 |
63.21 |
43.44 |
68.18 |
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Profitability |
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Return on Avg. Assets |
3.57 |
38.05 |
26.14 |
9.72 |
10.32 |
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Return on Avg. Equity |
9.44 |
104.43 |
68.68 |
20.17 |
14.99 |
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Net Interest Margin |
23.06 |
19.63 |
19.66 |
14.62 |
23.12 |
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Overhead Ratio |
100.59 |
71.73 |
86.75 |
90.24 |
85.71 |
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Operating Expenses / Avg. Assets |
23.20 |
14.08 |
17.05 |
13.20 |
19.81 |
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Noninterest Inc. / Total Revs. |
12.92 |
19.57 |
32.98 |
41.94 |
15.76 |
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Noninterest Inc. / Op. Exp. |
19.21 |
85.45 |
94.24 |
113.42 |
27.08 |
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Noninterest Inc. / Avg. Assets |
4.46 |
12.03 |
16.07 |
14.97 |
5.37 |
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Provision. / Avg. Assets |
0.00 |
2.07 |
1.19 |
6.70 |
0.21 |
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Effective Tax Rate |
0.00 |
0.00 |
0.00 |
2.63 |
3.85 |
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Productivity |
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Branches |
1 |
1 |
1 |
1 |
1 |
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Loans / Branch |
1,498 |
1,336 |
874 |
685 |
308 |
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Deposits / Branch |
1,172 |
1,104 |
1,071 |
685 |
672 |
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Growth Measures |
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Assets |
23.40 |
2.88 |
38.47 |
24.70 |
#¡REF! |
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Gross Loans |
12.20 |
52.77 |
27.63 |
122.39 |
373.19 |
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Deposits |
6.24 |
3.04 |
56.24 |
2.00 |
1,980.30 |
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Equity |
(23.32) |
48.81 |
34.03 |
9.90 |
7.21 |
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Net Income |
(92.99) |
92.27 |
278.23 |
47.91 |
(39.95) |
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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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