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BANCO DE GUAYANA- 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 |
19,316 |
14,762 |
9,866 |
7,100 |
5,317 |
|
Gross Loans |
3,079 |
2,316 |
4,489 |
2,930 |
2,204 |
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Gross Investments |
7,747 |
7,246 |
2,043 |
1,398 |
1,311 |
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Total Loan Loss Reserve |
159 |
164 |
163 |
149 |
151 |
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Other Assets |
944 |
355 |
193 |
204 |
99 |
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Total Deposits |
15,391 |
13,193 |
8,779 |
5,974 |
4,038 |
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Total Equity |
1,248 |
1,020 |
683 |
674 |
471 |
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Averages |
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Average Assets |
8,515 |
10,048 |
7,611 |
5,893 |
4,053 |
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Average Loans |
1,639 |
2,893 |
3,665 |
1,905 |
1,122 |
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Average Equity |
539 |
706 |
621 |
523 |
422 |
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Average Investments |
3,728 |
3,391 |
3,079 |
1,245 |
479 |
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Asset Quality |
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Net Interest Income |
1,357 |
993 |
536 |
359 |
330 |
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Noninterest Income |
58 |
26 |
17 |
14 |
9 |
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Extraordinary Gains, Net |
33 |
106 |
35 |
21 |
20 |
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Total Revenues |
1,912 |
1,555 |
874 |
610 |
523 |
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Loans Loss Provision |
1 |
0 |
15 |
0 |
23 |
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Operating Expenses |
1,134 |
737 |
532 |
379 |
319 |
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Income Tax |
21 |
0 |
0 |
0 |
0 |
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Net Income |
228 |
326 |
16 |
9 |
5 |
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Asset Quality |
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Total Past Due Loans |
342 |
169 |
166 |
168 |
259 |
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Loan Loss Reserve/Gross Loans |
5.16 |
7.07 |
3.64 |
5.07 |
6.87 |
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Past Due Loans / Gross Loans |
11.12 |
7.31 |
3.70 |
5.72 |
11.76 |
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Coverage of Past Due Loans |
46.38 |
96.62 |
98.43 |
88.70 |
58.47 |
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Net Past Due Loans / Equity |
14.72 |
0.56 |
0.38 |
2.81 |
22.84 |
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Capital Adequacy |
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Equity/Assets |
6.46 |
6.91 |
6.92 |
9.50 |
8.86 |
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Equity / Gross Loans |
40.52 |
44.02 |
15.22 |
23.01 |
21.38 |
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Liquidity |
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Gross Loans / Gross Assets |
15.78 |
15.52 |
44.76 |
40.42 |
40.30 |
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Gross Loans / Deposits |
20.00 |
17.56 |
51.13 |
49.05 |
54.57 |
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Liquid Assets / Assets |
33.37 |
71.31 |
36.76 |
37.01 |
46.92 |
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Profitability |
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Return on Avg. Assets |
5.35 |
6.49 |
0.42 |
0.30 |
0.27 |
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Return on Avg. Equity |
84.52 |
92.41 |
5.16 |
3.40 |
2.61 |
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Net Interest Margin |
31.87 |
19.77 |
14.09 |
12.20 |
16.29 |
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Overhead Ratio |
83.57 |
74.16 |
99.19 |
105.49 |
96.57 |
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Operating Expenses / Avg. Assets |
26.63 |
14.66 |
13.97 |
12.87 |
15.74 |
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Noninterest Inc. / Total Revs. |
3.03 |
1.70 |
1.98 |
2.31 |
1.75 |
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Noninterest Inc. / Op. Exp. |
5.12 |
3.58 |
3.25 |
3.71 |
2.86 |
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Noninterest Inc. / Avg. Assets |
1.36 |
0.52 |
0.45 |
0.48 |
0.45 |
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Provision. / Avg. Assets |
0.78 |
1.26 |
1.08 |
0.21 |
1.70 |
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Effective Tax Rate |
8.26 |
0.00 |
0.00 |
0.00 |
0.00 |
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Productivity |
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Branches |
15 |
14 |
14 |
14 |
14 |
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Loans / Branch |
205 |
165 |
321 |
209 |
157 |
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Deposits / Branch |
1,026 |
942 |
627 |
427 |
288 |
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Growth Measures |
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Assets |
30.85 |
49.63 |
38.94 |
33.54 |
30.26 |
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Gross Loans |
32.91 |
(48.39) |
53.20 |
32.95 |
104.56 |
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Deposits |
16.66 |
50.27 |
46.97 |
47.92 |
32.81 |
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Equity |
22.35 |
49.27 |
1.32 |
43.10 |
1.18 |
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Net Income |
(30.09) |
1,934.91 |
80.01 |
62.07 |
(94.40) |
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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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