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BANCO ING BANK- 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 |
32,633 |
9,932 |
9,500 |
3,110 |
N/A |
|
Gross Loans |
6,751 |
1,940 |
2,157 |
1,886 |
N/A |
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Gross Investments |
17,557 |
3,650 |
5,408 |
160 |
N/A |
|
Total Loan Loss Reserve |
68 |
42 |
42 |
0 |
N/A |
|
Other Assets |
2,936 |
422 |
190 |
158 |
N/A |
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Total Deposits |
2,283 |
5,712 |
8,162 |
1,832 |
N/A |
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Total Equity |
1,833 |
1,727 |
1,230 |
1,205 |
N/A |
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Averages |
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Average Assets |
10,087 |
9,213 |
6,254 |
2,328 |
N/A |
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Average Loans |
1,642 |
2,293 |
3,765 |
1,283 |
N/A |
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Average Equity |
945 |
1,261 |
1,208 |
1,203 |
N/A |
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Average Investments |
6,274 |
4,432 |
3,620 |
80 |
N/A |
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Asset Quality |
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Net Interest Income |
457 |
743 |
267 |
34 |
N/A |
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Noninterest Income |
804 |
401 |
176 |
185 |
N/A |
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Extraordinary Gains, Net |
0 |
93 |
7 |
0 |
N/A |
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Total Revenues |
1,985 |
2,377 |
1,083 |
240 |
N/A |
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Loans Loss Provision |
26 |
0 |
42 |
0 |
N/A |
|
Operating Expenses |
1,086 |
716 |
348 |
211 |
N/A |
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Income Tax |
0 |
23 |
36 |
3 |
N/A |
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Net Income |
105 |
497 |
25 |
5 |
N/A |
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Asset Quality |
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Total Past Due Loans |
0 |
0 |
0 |
0 |
N/A |
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Loan Loss Reserve/Gross Loans |
1.01 |
2.16 |
1.95 |
0.00 |
N/A |
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Past Due Loans / Gross Loans |
0.00 |
0.00 |
0.00 |
0.00 |
N/A |
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Coverage of Past Due Loans |
0.00 |
0.00 |
0.00 |
0.00 |
N/A |
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Net Past Due Loans / Equity |
(3.71) |
(2.43) |
(3.41) |
0.00 |
N/A |
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Capital Adequacy |
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Equity/Assets |
5.62 |
17.39 |
12.95 |
38.75 |
N/A |
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Equity / Gross Loans |
27.15 |
89.02 |
57.03 |
63.90 |
N/A |
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Liquidity |
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Gross Loans / Gross Assets |
20.63 |
19.46 |
22.61 |
60.65 |
N/A |
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Gross Loans / Deposits |
295.66 |
33.97 |
26.43 |
102.96 |
N/A |
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Liquid Assets / Assets |
11.88 |
64.85 |
64.39 |
17.57 |
N/A |
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Profitability |
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Return on Avg. Assets |
2.09 |
10.79 |
0.80 |
0.46 |
N/A |
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Return on Avg. Equity |
22.28 |
78.82 |
4.12 |
0.89 |
N/A |
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Net Interest Margin |
9.07 |
16.13 |
8.55 |
2.92 |
N/A |
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Overhead Ratio |
237.43 |
96.41 |
130.10 |
621.72 |
N/A |
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Operating Expenses / Avg. Assets |
21.53 |
15.55 |
11.12 |
18.15 |
N/A |
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Noninterest Inc. / Total Revs. |
40.53 |
16.86 |
16.26 |
77.11 |
N/A |
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Noninterest Inc. / Op. Exp. |
74.08 |
55.95 |
50.64 |
87.72 |
N/A |
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Noninterest Inc. / Avg. Assets |
15.95 |
8.70 |
5.63 |
15.92 |
N/A |
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Provision. / Avg. Assets |
0.00 |
0.00 |
1.34 |
0.00 |
N/A |
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Effective Tax Rate |
0.00 |
4.42 |
58.93 |
34.00 |
N/A |
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Productivity |
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Branches |
1 |
1 |
1 |
1 |
N/A |
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Loans / Branch |
6,751 |
1,940 |
2,157 |
1,886 |
N/A |
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Deposits / Branch |
2,283 |
5,712 |
8,162 |
1,832 |
N/A |
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Growth Measures |
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Assets |
228.58 |
4.55 |
205.43 |
N/A |
N/A |
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Gross Loans |
247.90 |
(10.05) |
14.36 |
N/A |
N/A |
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Deposits |
(60.02) |
(30.02) |
345.50 |
N/A |
N/A |
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Equity |
6.10 |
40.41 |
2.06 |
N/A |
N/A |
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Net Income |
(78.82) |
1,899.00 |
364.96 |
N/A |
N/A |
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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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