Revista Electrónica       Nº 15     Mayo 1997

BANCO DEL CARONI- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions)
Dec-96 Jun-96 Dec-95 Jun-95 Dec-94
Balance Sheet
Total Assets 80,989 59,415 35,128 31,178 25,867
Gross Loans 9,057 7,396 6,173 4,052 3,143
Gross Investments 48,758 36,405 21,491 18,094 15,056
Total Loan Loss Reserve 696 601 491 391 248
Other Assets 1,797 1,570 1,214 763 151
Total Deposits 61,326 49,933 29,386 27,283 22,049
Total Equity 10,000 7,130 4,111 3,086 2,424
Averages
Average Assets 36,085 42,653 31,986 27,104 20,548
Average Loans 4,501 6,096 8,384 2,471 2,385
Average Equity 3,498 3,935 2,896 2,215 1,587
Average Investments 22,173 25,523 20,693 15,702 9,803
Asset Quality
Net Interest Income 6,445 5,118 2,527 1,832 1,368
Noninterest Income 63 111 71 57 32
Extraordinary Gains, Net 179 915 585 52 46
Total Revenues 8,696 8,858 5,201 3,497 3,609
Loans Loss Provision 269 110 100 143 61
Operating Expenses 2,996 2,183 1,852 997 757
Income Tax 342 280 90 50 20
Net Income 3,189 3,213 1,138 735 601
Asset Quality
Total Past Due Loans 339 617 282 334 265
Loan Loss Reserve/Gross Loans 7.68 8.12 7.95 9.64 7.89
Past Due Loans / Gross Loans 3.74 8.35 4.57 8.25 8.43
Coverage of Past Due Loans 205.51 97.33 173.84 116.94 93.66
Net Past Due Loans / Equity (3.57) 0.23 (5.07) (1.83) 0.69
Capital Adequacy
Equity/Assets 12.35 12.00 11.70 9.90 9.37
Equity / Gross Loans 110.42 96.40 66.59 76.16 77.10
Liquidity
Gross Loans / Gross Assets 11.04 12.27 17.32 12.83 12.03
Gross Loans / Deposits 14.77 14.81 21.01 14.85 14.26
Liquid Assets / Assets 76.68 71.65 46.11 68.72 67.89
Profitability
Return on Avg. Assets 17.68 15.07 7.11 5.42 5.85
Return on Avg. Equity 182.36 163.30 78.58 66.38 75.74
Net Interest Margin 35.72 24.00 15.80 13.52 13.32
Overhead Ratio 46.49 42.65 73.29 54.42 55.33
Operating Expenses / Avg. Assets 16.61 10.24 11.58 7.36 7.37
Noninterest Inc. / Total Revs. 0.73 1.25 1.37 1.63 0.88
Noninterest Inc. / Op. Exp. 2.11 5.08 3.85 5.70 4.22
Noninterest Inc. / Avg. Assets 0.35 0.52 0.45 0.42 0.31
Provision. / Avg. Assets 2.12 2.19 0.65 1.18 0.66
Effective Tax Rate 9.69 8.03 7.33 6.37 3.22
Productivity
Branches 34 32 27 27 26
Loans / Branch 266 231 229 150 121
Deposits / Branch 1,804 1,560 1,088 1,010 848
Growth Measures
Assets 36.31 69.14 12.67 20.53 44.00
Gross Loans 22.45 19.82 52.33 28.92 11.17
Deposits 22.82 69.92 7.71 23.74 46.57
Equity 40.25 73.46 33.20 27.33 35.37
Net Income (0.75) 182.42 54.79 22.32 41.00
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

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