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BANCO DO BRASIL- 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 |
|
Total Assets |
2,397 |
3,918 |
7,663 |
4,389 |
1,733 |
|
Gross Loans |
998 |
931 |
497 |
289 |
174 |
|
Gross Investments |
574 |
1,158 |
3,244 |
1,912 |
902 |
|
Total Loan Loss Reserve |
68 |
68 |
41 |
34 |
18 |
|
Other Assets |
9 |
498 |
1,049 |
75 |
22 |
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Total Deposits |
549 |
937 |
2,476 |
1,945 |
1,041 |
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Total Equity |
1,549 |
1,496 |
1,027 |
471 |
358 |
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Averages |
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Average Assets |
3,794 |
6,045 |
4,387 |
1,931 |
589 |
|
Average Loans |
613 |
751 |
1,499 |
91 |
48 |
|
Average Equity |
803 |
844 |
480 |
273 |
148 |
|
Average Investments |
1,504 |
2,633 |
2,758 |
870 |
241 |
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Asset Quality |
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Net Interest Income |
444 |
561 |
449 |
64 |
64 |
|
Noninterest Income |
214 |
182 |
90 |
48 |
18 |
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Extraordinary Gains, Net |
54 |
112 |
225 |
116 |
29 |
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Total Revenues |
750 |
1,068 |
899 |
318 |
128 |
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Loans Loss Provision |
0 |
28 |
7 |
15 |
2 |
|
Operating Expenses |
272 |
200 |
173 |
101 |
83 |
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Income Tax |
0 |
159 |
146 |
0 |
0 |
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Net Income |
52 |
469 |
437 |
113 |
26 |
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Asset Quality |
|
Total Past Due Loans |
223 |
192 |
102 |
81 |
19 |
|
Loan Loss Reserve/Gross Loans |
6.82 |
7.32 |
8.24 |
11.66 |
10.34 |
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Past Due Loans / Gross Loans |
22.35 |
20.66 |
20.45 |
27.93 |
10.92 |
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Coverage of Past Due Loans |
30.52 |
35.41 |
40.29 |
41.76 |
94.74 |
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Net Past Due Loans / Equity |
10.01 |
8.30 |
5.90 |
10.00 |
0.28 |
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Capital Adequacy |
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Equity/Assets |
64.61 |
38.19 |
13.41 |
10.72 |
20.66 |
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Equity / Gross Loans |
155.20 |
160.80 |
206.85 |
162.61 |
205.75 |
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Liquidity |
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Gross Loans / Gross Assets |
40.44 |
23.35 |
6.45 |
6.54 |
9.94 |
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Gross Loans / Deposits |
181.85 |
99.28 |
20.06 |
14.88 |
16.71 |
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Liquid Assets / Assets |
52.77 |
60.48 |
75.74 |
89.65 |
83.15 |
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Profitability |
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Return on Avg. Assets |
2.76 |
15.52 |
19.90 |
11.69 |
8.83 |
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Return on Avg. Equity |
13.05 |
111.14 |
181.92 |
82.66 |
35.12 |
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Net Interest Margin |
23.42 |
18.56 |
20.47 |
6.67 |
21.74 |
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Overhead Ratio |
61.28 |
35.59 |
38.63 |
156.09 |
129.69 |
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Operating Expenses / Avg. Assets |
14.36 |
6.61 |
7.91 |
10.42 |
28.20 |
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Noninterest Inc. / Total Revs. |
28.57 |
17.06 |
10.02 |
15.19 |
14.06 |
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Noninterest Inc. / Op. Exp. |
78.69 |
91.23 |
51.97 |
47.99 |
21.69 |
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Noninterest Inc. / Avg. Assets |
11.30 |
6.03 |
4.11 |
5.00 |
6.11 |
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Provision. / Avg. Assets |
0.00 |
0.91 |
0.39 |
1.60 |
0.68 |
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Effective Tax Rate |
0.00 |
25.35 |
25.06 |
0.00 |
0.00 |
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Productivity |
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Branches |
1 |
1 |
1 |
1 |
1 |
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Loans / Branch |
998 |
931 |
497 |
289 |
174 |
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Deposits / Branch |
549 |
937 |
2,476 |
1,945 |
1,041 |
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Growth Measures |
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Assets |
(38.82) |
(48.87) |
74.62 |
153.24 |
653.79 |
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Gross Loans |
7.24 |
87.40 |
71.58 |
66.34 |
370.22 |
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Deposits |
(41.46) |
(62.13) |
27.27 |
86.86 |
1,801.89 |
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Equity |
3.50 |
45.68 |
118.26 |
31.47 |
171.37 |
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Net Income |
(88.84) |
7.47 |
286.81 |
334.13 |
298.71 |
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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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