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BANCO CANARIAS DE VENEZUELA- 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 |
38,420 |
29,646 |
24,832 |
18,487 |
10,515 |
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Gross Loans |
12,630 |
11,985 |
11,247 |
7,786 |
3,566 |
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Gross Investments |
10,546 |
5,376 |
6,315 |
4,796 |
3,280 |
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Total Loan Loss Reserve |
470 |
537 |
505 |
220 |
78 |
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Other Assets |
1,170 |
997 |
605 |
381 |
297 |
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Total Deposits |
33,662 |
25,242 |
21,431 |
15,527 |
8,813 |
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Total Equity |
3,897 |
3,315 |
2,320 |
2,054 |
1,305 |
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Averages |
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Average Assets |
18,682 |
23,912 |
18,341 |
12,066 |
6,767 |
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Average Loans |
6,952 |
10,015 |
9,652 |
4,239 |
1,897 |
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Average Equity |
1,797 |
2,292 |
1,864 |
1,372 |
975 |
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Average Investments |
5,110 |
5,760 |
7,425 |
2,803 |
1,251 |
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Asset Quality |
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Net Interest Income |
2,102 |
1,416 |
1,177 |
972 |
611 |
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Noninterest Income |
166 |
193 |
122 |
80 |
32 |
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Extraordinary Gains, Net |
0 |
814 |
101 |
64 |
6 |
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Total Revenues |
4,033 |
4,519 |
2,992 |
1,960 |
1,385 |
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Loans Loss Provision |
5 |
32 |
285 |
142 |
37 |
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Operating Expenses |
1,442 |
1,202 |
787 |
503 |
373 |
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Income Tax |
15 |
29 |
15 |
17 |
9 |
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Net Income |
647 |
1,105 |
295 |
388 |
231 |
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Asset Quality |
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Total Past Due Loans |
253 |
475 |
389 |
227 |
128 |
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Loan Loss Reserve/Gross Loans |
3.72 |
4.48 |
4.49 |
2.83 |
2.19 |
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Past Due Loans / Gross Loans |
2.00 |
3.97 |
3.46 |
2.91 |
3.58 |
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Coverage of Past Due Loans |
186.24 |
112.99 |
129.79 |
97.08 |
61.19 |
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Net Past Due Loans / Equity |
(5.59) |
(1.86) |
(5.00) |
0.32 |
3.79 |
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Capital Adequacy |
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Equity/Assets |
10.14 |
11.18 |
9.34 |
11.11 |
12.41 |
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Equity / Gross Loans |
30.86 |
27.66 |
20.63 |
26.39 |
36.61 |
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Liquidity |
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Gross Loans / Gross Assets |
32.32 |
39.64 |
44.33 |
41.54 |
33.65 |
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Gross Loans / Deposits |
37.52 |
47.48 |
52.48 |
50.15 |
40.46 |
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Liquid Assets / Assets |
33.38 |
41.20 |
37.40 |
37.98 |
33.14 |
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Profitability |
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Return on Avg. Assets |
6.92 |
9.25 |
3.22 |
6.43 |
6.82 |
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Return on Avg. Equity |
71.98 |
96.44 |
31.70 |
56.58 |
47.31 |
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Net Interest Margin |
22.50 |
11.84 |
12.83 |
16.12 |
18.05 |
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Overhead Ratio |
68.62 |
84.90 |
66.89 |
51.72 |
61.07 |
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Operating Expenses / Avg. Assets |
15.44 |
10.05 |
8.58 |
8.34 |
11.02 |
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Noninterest Inc. / Total Revs. |
4.11 |
4.26 |
4.08 |
4.07 |
2.34 |
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Noninterest Inc. / Op. Exp. |
11.50 |
16.04 |
15.49 |
15.87 |
8.69 |
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Noninterest Inc. / Avg. Assets |
1.78 |
1.61 |
1.33 |
1.32 |
0.96 |
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Provision. / Avg. Assets |
1.16 |
0.72 |
3.29 |
3.45 |
1.10 |
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Effective Tax Rate |
2.27 |
2.51 |
4.83 |
4.20 |
3.55 |
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Productivity |
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Branches |
23 |
19 |
19 |
12 |
9 |
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Loans / Branch |
549 |
631 |
592 |
649 |
396 |
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Deposits / Branch |
1,464 |
1,329 |
1,128 |
1,294 |
979 |
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Growth Measures |
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Assets |
29.59 |
19.39 |
34.32 |
75.81 |
79.33 |
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Gross Loans |
5.38 |
6.56 |
44.45 |
118.37 |
82.60 |
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Deposits |
33.36 |
17.78 |
38.03 |
76.18 |
105.70 |
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Equity |
17.55 |
42.87 |
12.94 |
57.40 |
21.47 |
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Net Income |
(41.50) |
274.09 |
(23.84) |
68.19 |
418.91 |
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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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