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BANCO DEL ORINOCO- 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 |
85,865 |
61,828 |
53,379 |
50,038 |
45,113 |
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Gross Loans |
36,892 |
27,542 |
25,697 |
19,043 |
15,230 |
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Gross Investments |
21,895 |
12,016 |
9,041 |
14,169 |
9,892 |
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Total Loan Loss Reserve |
958 |
904 |
800 |
701 |
500 |
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Other Assets |
592 |
2,562 |
1,495 |
1,396 |
1,480 |
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Total Deposits |
75,546 |
54,166 |
47,030 |
43,644 |
39,313 |
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Total Equity |
6,018 |
4,308 |
3,711 |
3,342 |
2,374 |
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Averages |
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Average Assets |
38,935 |
53,886 |
49,823 |
44,018 |
34,809 |
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Average Loans |
16,264 |
23,193 |
22,204 |
13,963 |
12,402 |
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Average Equity |
2,668 |
3,607 |
3,144 |
2,451 |
1,909 |
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Average Investments |
7,398 |
10,563 |
18,942 |
10,090 |
5,610 |
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Asset Quality |
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Net Interest Income |
6,197 |
4,457 |
3,104 |
2,738 |
2,375 |
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Noninterest Income |
917 |
184 |
294 |
408 |
490 |
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Extraordinary Gains, Net |
0 |
98 |
125 |
16 |
9 |
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Total Revenues |
9,267 |
7,876 |
6,838 |
5,347 |
4,930 |
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Loans Loss Provision |
838 |
342 |
249 |
276 |
150 |
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Operating Expenses |
4,430 |
3,561 |
2,722 |
2,481 |
2,432 |
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Income Tax |
108 |
49 |
39 |
20 |
25 |
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Net Income |
1,188 |
650 |
400 |
324 |
215 |
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Asset Quality |
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Total Past Due Loans |
1,862 |
1,834 |
1,640 |
1,448 |
1,734 |
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Loan Loss Reserve/Gross Loans |
2.60 |
3.28 |
3.11 |
3.68 |
3.28 |
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Past Due Loans / Gross Loans |
5.05 |
6.66 |
6.38 |
7.60 |
11.39 |
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Coverage of Past Due Loans |
51.46 |
49.30 |
48.78 |
48.40 |
28.83 |
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Net Past Due Loans / Equity |
15.02 |
21.58 |
22.64 |
22.35 |
51.99 |
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Capital Adequacy |
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Equity/Assets |
7.01 |
6.97 |
6.95 |
6.68 |
5.26 |
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Equity / Gross Loans |
16.31 |
15.64 |
14.44 |
17.55 |
15.59 |
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Liquidity |
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Gross Loans / Gross Assets |
42.29 |
43.85 |
47.42 |
37.52 |
33.38 |
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Gross Loans / Deposits |
48.83 |
50.85 |
54.64 |
43.63 |
38.74 |
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Liquid Assets / Assets |
26.81 |
35.91 |
31.95 |
46.93 |
43.81 |
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Profitability |
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Return on Avg. Assets |
6.10 |
2.41 |
1.61 |
1.47 |
1.23 |
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Return on Avg. Equity |
89.04 |
36.05 |
25.47 |
26.41 |
22.52 |
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Net Interest Margin |
31.83 |
16.54 |
12.46 |
12.44 |
13.65 |
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Overhead Ratio |
71.49 |
79.90 |
87.69 |
90.59 |
102.39 |
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Operating Expenses / Avg. Assets |
22.76 |
13.22 |
10.93 |
11.27 |
13.97 |
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Noninterest Inc. / Total Revs. |
9.90 |
2.33 |
4.30 |
7.63 |
9.94 |
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Noninterest Inc. / Op. Exp. |
20.71 |
5.16 |
10.80 |
16.44 |
20.16 |
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Noninterest Inc. / Avg. Assets |
4.71 |
0.68 |
1.18 |
1.85 |
2.82 |
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Provision. / Avg. Assets |
5.67 |
1.78 |
1.45 |
1.53 |
1.16 |
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Effective Tax Rate |
8.34 |
6.95 |
8.84 |
5.82 |
10.42 |
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Productivity |
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Branches |
59 |
60 |
60 |
60 |
60 |
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Loans / Branch |
625 |
459 |
428 |
317 |
254 |
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Deposits / Branch |
1,280 |
903 |
784 |
727 |
655 |
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Growth Measures |
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Assets |
38.88 |
15.83 |
6.68 |
10.92 |
42.16 |
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Gross Loans |
33.95 |
7.18 |
34.94 |
25.04 |
25.13 |
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Deposits |
39.47 |
15.17 |
7.76 |
11.02 |
58.41 |
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Equity |
39.69 |
16.10 |
11.02 |
40.78 |
21.95 |
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Net Income |
82.64 |
62.39 |
23.72 |
50.58 |
(5.06) |
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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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