BANCO CONSOLIDADO- Financial Statistics, Dec 94-Jan 97 (Nominal Bolivares in Millions)
	Dec-96	Jun-96	Dec-95	Jun-95	Dec-94
Balance Sheet
Total Assets	473,522	360,882	270,688	246,629	N/A
Gross Loans	120,174	98,885	77,975	59,483	N/A
Gross Investments	266,101	172,763	136,458	27,658	N/A
Total Loan Loss Reserve	8,349	8,653	7,436	6,617	N/A
Other Assets	4,650	21,897	25,325	130,132	N/A
Total Deposits	375,098	300,480	225,518	214,703	N/A
Total Equity	64,192	37,219	21,472	15,594	N/A
Averages
Average Assets	220,742	289,720	257,504	199,132	N/A
Average Loans	41,671	57,425	81,862	67,909	N/A
Average Equity	18,266	20,440	15,478	9,293	N/A
Average Investments	118,224	103,077	77,262	16,175	N/A
Asset Quality
Net Interest Income	31,376	15,643	16,143	9,748	N/A
Noninterest Income	7,430	1,655	1,623	1,195	N/A
Extraordinary Gains, Net	39	14,424	4,785	1,490	N/A
Total Revenues	61,528	61,637	45,633	30,425	N/A
Loans Loss Provision	772	1,678	1,075	1,173	N/A
Operating Expenses	17,042	13,199	15,043	6,598	N/A
Income Tax	0	0	0	0	N/A
Net Income	19,834	16,052	5,600	3,173	N/A
Asset Quality
Total Past Due Loans	2,244	3,775	4,038	5,217	N/A
Loan Loss Reserve/Gross Loans	6.95	8.75	9.54	11.13	N/A
Past Due Loans / Gross Loans	1.87	3.82	5.18	8.77	N/A
Coverage of Past Due Loans	372.11	229.24	184.14	126.85	N/A
Net Past Due Loans / Equity	(9.51)	(13.11)	(15.82)	(8.98)	N/A
Capital Adequacy
Equity/Assets	13.56	10.31	7.93	6.32	N/A
Equity / Gross Loans	53.42	37.64	27.54	26.22	N/A
Liquidity
Gross Loans / Gross Assets	24.78	26.62	27.91	23.36	N/A
Gross Loans / Deposits	32.04	32.91	34.58	27.70	N/A
Liquid Assets / Assets	20.76	23.46	8.51	9.62	N/A
Profitability
Return on Avg. Assets	17.97	11.08	4.35	3.19	N/A
Return on Avg. Equity	217.17	157.07	72.36	68.29	N/A
Net Interest Margin	28.43	10.80	12.54	9.79	N/A
Overhead Ratio	54.32	84.37	93.19	67.69	N/A
Operating Expenses / Avg. Assets	15.44	9.11	11.68	6.63	N/A
Noninterest Inc. / Total Revs.	12.08	2.68	3.56	3.93	N/A
Noninterest Inc. / Op. Exp.	43.60	12.54	10.79	18.11	N/A
Noninterest Inc. / Avg. Assets	6.73	1.14	1.26	1.20	N/A
Provision. / Avg. Assets	0.91	1.71	1.48	2.67	N/A
Effective Tax Rate	0.00	0.00	0.00	0.00	N/A
Productivity
Branches	136	136	135	135	N/A
Loans / Branch	884	727	578	441	N/A
Deposits / Branch	2,758	2,209	1,671	1,590	N/A
Growth Measures
Assets	31.21	33.32	9.76	N/A	N/A
Gross Loans	21.53	26.82	31.09	N/A	N/A
Deposits	24.83	33.24	5.04	N/A	N/A
Equity	72.47	73.34	37.69	N/A	N/A
Net Income	23.56	186.63	76.51	N/A	N/A
Exch. Rate (Period-End Bs/US$)	474.00	469.00	290.00	170.00	170.00
Source: Francisco J. Faraco & Associates. Calculation based on data from Banks Financial Statements.
E-Mail: Faracor@spai1.lat.net