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BANCO REPUBLICA- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions) |
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Dec-96 |
Jun-96 |
Dec-95 |
Jun-95 |
Dec-94 |
|
Balance Sheet |
|
Total Assets |
97,574 |
85,242 |
72,430 |
N/A |
N/A |
|
Gross Loans |
11,015 |
16,087 |
17,601 |
N/A |
N/A |
|
Gross Investments |
73,312 |
56,014 |
44,589 |
N/A |
N/A |
|
Total Loan Loss Reserve |
1,567 |
2,880 |
5,090 |
N/A |
N/A |
|
Other Assets |
1,486 |
8,001 |
8,765 |
N/A |
N/A |
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Total Deposits |
78,718 |
76,696 |
62,909 |
N/A |
N/A |
|
Total Equity |
6,526 |
3,474 |
2,922 |
N/A |
N/A |
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Averages |
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Average Assets |
42,188 |
79,244 |
72,430 |
N/A |
N/A |
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Average Loans |
3,030 |
9,767 |
72,430 |
N/A |
N/A |
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Average Equity |
1,768 |
3,032 |
2,922 |
N/A |
N/A |
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Average Investments |
28,687 |
49,485 |
72,430 |
N/A |
N/A |
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Asset Quality |
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Net Interest Income |
7,187 |
2,698 |
3,028 |
N/A |
N/A |
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Noninterest Income |
563 |
119 |
234 |
N/A |
N/A |
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Extraordinary Gains, Net |
57 |
2,199 |
971 |
N/A |
N/A |
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Total Revenues |
14,007 |
12,960 |
10,818 |
N/A |
N/A |
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Loans Loss Provision |
337 |
100 |
0 |
N/A |
N/A |
|
Operating Expenses |
5,843 |
4,227 |
3,521 |
N/A |
N/A |
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Income Tax |
0 |
0 |
0 |
N/A |
N/A |
|
Net Income |
1,052 |
552 |
325 |
N/A |
N/A |
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Asset Quality |
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Total Past Due Loans |
1,363 |
3,242 |
6,088 |
N/A |
N/A |
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Loan Loss Reserve/Gross Loans |
14.23 |
17.90 |
28.92 |
N/A |
N/A |
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Past Due Loans / Gross Loans |
12.37 |
20.15 |
34.59 |
N/A |
N/A |
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Coverage of Past Due Loans |
114.96 |
88.85 |
83.61 |
N/A |
N/A |
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Net Past Due Loans / Equity |
(3.12) |
10.40 |
34.16 |
N/A |
N/A |
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Capital Adequacy |
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Equity/Assets |
6.69 |
4.08 |
4.03 |
N/A |
N/A |
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Equity / Gross Loans |
59.25 |
21.59 |
16.60 |
N/A |
N/A |
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Liquidity |
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Gross Loans / Gross Assets |
11.04 |
18.03 |
22.40 |
N/A |
N/A |
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Gross Loans / Deposits |
13.99 |
20.98 |
27.98 |
N/A |
N/A |
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Liquid Assets / Assets |
50.43 |
22.20 |
8.66 |
N/A |
N/A |
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Profitability |
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Return on Avg. Assets |
4.99 |
1.39 |
0.90 |
N/A |
N/A |
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Return on Avg. Equity |
119.07 |
36.40 |
22.24 |
N/A |
N/A |
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Net Interest Margin |
34.07 |
6.81 |
8.36 |
N/A |
N/A |
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Overhead Ratio |
81.30 |
156.67 |
116.28 |
N/A |
N/A |
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Operating Expenses / Avg. Assets |
27.70 |
10.67 |
9.72 |
N/A |
N/A |
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Noninterest Inc. / Total Revs. |
4.02 |
0.92 |
2.16 |
N/A |
N/A |
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Noninterest Inc. / Op. Exp. |
9.64 |
2.81 |
6.64 |
N/A |
N/A |
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Noninterest Inc. / Avg. Assets |
2.67 |
0.30 |
0.65 |
N/A |
N/A |
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Provision. / Avg. Assets |
5.66 |
0.60 |
1.07 |
N/A |
N/A |
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Effective Tax Rate |
0.00 |
0.00 |
0.00 |
N/A |
N/A |
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Productivity |
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Branches |
66 |
65 |
65 |
N/A |
N/A |
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Loans / Branch |
167 |
247 |
271 |
N/A |
N/A |
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Deposits / Branch |
1,193 |
1,180 |
968 |
N/A |
N/A |
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Growth Measures |
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Assets |
14.47 |
17.69 |
N/A |
N/A |
N/A |
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Gross Loans |
(31.53) |
(8.60) |
N/A |
N/A |
N/A |
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Deposits |
2.64 |
21.92 |
N/A |
N/A |
N/A |
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Equity |
87.86 |
18.90 |
N/A |
N/A |
N/A |
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Net Income |
90.70 |
69.85 |
N/A |
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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