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BANCO PLAZA- 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 |
52,046 |
33,313 |
30,837 |
23,068 |
17,643 |
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Gross Loans |
19,787 |
11,802 |
11,392 |
7,349 |
3,670 |
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Gross Investments |
19,641 |
14,194 |
11,828 |
10,613 |
10,163 |
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Total Loan Loss Reserve |
472 |
476 |
455 |
273 |
223 |
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Other Assets |
150 |
252 |
113 |
146 |
100 |
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Total Deposits |
44,120 |
27,723 |
26,761 |
20,607 |
15,821 |
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Total Equity |
6,607 |
5,024 |
3,323 |
2,088 |
1,563 |
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Averages |
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Average Assets |
22,657 |
29,430 |
24,202 |
18,552 |
11,266 |
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Average Loans |
7,522 |
10,583 |
9,904 |
3,805 |
2,444 |
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Average Equity |
2,643 |
2,950 |
1,971 |
1,279 |
729 |
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Average Investments |
9,676 |
12,511 |
14,206 |
9,882 |
5,400 |
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Asset Quality |
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Net Interest Income |
3,349 |
2,912 |
1,987 |
1,141 |
1,227 |
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Noninterest Income |
76 |
168 |
192 |
169 |
71 |
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Extraordinary Gains, Net |
0 |
22 |
62 |
0 |
0 |
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Total Revenues |
5,416 |
5,542 |
4,246 |
2,831 |
2,486 |
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Loans Loss Provision |
38 |
30 |
182 |
50 |
85 |
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Operating Expenses |
1,309 |
956 |
689 |
549 |
426 |
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Income Tax |
51 |
300 |
104 |
0 |
0 |
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Net Income |
1,583 |
1,701 |
1,236 |
527 |
786 |
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Asset Quality |
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Total Past Due Loans |
256 |
193 |
117 |
124 |
92 |
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Loan Loss Reserve/Gross Loans |
2.38 |
4.03 |
4.00 |
3.72 |
6.08 |
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Past Due Loans / Gross Loans |
1.29 |
1.64 |
1.03 |
1.69 |
2.51 |
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Coverage of Past Due Loans |
184.17 |
246.61 |
387.59 |
219.71 |
242.82 |
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Net Past Due Loans / Equity |
(3.26) |
(5.63) |
(10.16) |
(7.13) |
(8.40) |
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Capital Adequacy |
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Equity/Assets |
12.70 |
15.08 |
10.78 |
9.05 |
8.86 |
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Equity / Gross Loans |
33.39 |
42.57 |
29.17 |
28.41 |
42.59 |
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Liquidity |
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Gross Loans / Gross Assets |
37.41 |
34.90 |
36.38 |
31.44 |
20.54 |
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Gross Loans / Deposits |
44.85 |
42.57 |
42.57 |
35.66 |
23.19 |
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Liquid Assets / Assets |
24.82 |
52.61 |
48.99 |
50.06 |
68.47 |
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Profitability |
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Return on Avg. Assets |
13.98 |
11.56 |
10.21 |
5.68 |
13.95 |
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Return on Avg. Equity |
119.82 |
115.30 |
125.36 |
82.39 |
215.60 |
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Net Interest Margin |
29.56 |
19.79 |
16.42 |
12.31 |
21.78 |
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Overhead Ratio |
39.09 |
32.81 |
34.67 |
48.13 |
34.71 |
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Operating Expenses / Avg. Assets |
11.56 |
6.49 |
5.69 |
5.92 |
7.56 |
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Noninterest Inc. / Total Revs. |
1.40 |
3.02 |
4.53 |
5.96 |
2.86 |
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Noninterest Inc. / Op. Exp. |
5.79 |
17.54 |
27.93 |
30.72 |
16.69 |
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Noninterest Inc. / Avg. Assets |
0.67 |
1.14 |
1.59 |
1.82 |
1.26 |
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Provision. / Avg. Assets |
0.34 |
0.99 |
1.77 |
2.53 |
1.54 |
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Effective Tax Rate |
3.10 |
14.99 |
7.74 |
0.00 |
0.00 |
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Productivity |
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Branches |
13 |
11 |
11 |
11 |
11 |
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Loans / Branch |
1,522 |
1,073 |
1,036 |
668 |
334 |
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Deposits / Branch |
3,394 |
2,520 |
2,433 |
1,873 |
1,438 |
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Growth Measures |
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Assets |
56.23 |
8.03 |
33.67 |
30.75 |
101.49 |
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Gross Loans |
67.66 |
3.60 |
55.00 |
100.27 |
50.28 |
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Deposits |
59.15 |
3.59 |
29.86 |
30.25 |
107.80 |
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Equity |
31.51 |
51.18 |
59.18 |
33.57 |
101.09 |
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Net Income |
(6.91) |
37.65 |
134.59 |
(32.97) |
187.54 |
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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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