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INTERBANK - Banco Internacional- 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 |
124,053 |
91,598 |
61,269 |
53,338 |
46,097 |
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Gross Loans |
38,961 |
27,656 |
34,136 |
33,969 |
26,507 |
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Gross Investments |
40,682 |
36,746 |
14,019 |
9,186 |
12,012 |
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Total Loan Loss Reserve |
1,445 |
1,435 |
3,076 |
4,616 |
5,203 |
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Other Assets |
3,498 |
2,215 |
1,087 |
911 |
600 |
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Total Deposits |
90,204 |
78,332 |
51,881 |
45,469 |
38,942 |
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Total Equity |
16,509 |
10,285 |
6,292 |
5,576 |
5,332 |
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Averages |
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Average Assets |
57,140 |
68,410 |
54,986 |
51,049 |
42,949 |
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Average Loans |
18,996 |
28,909 |
32,695 |
23,579 |
18,102 |
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Average Equity |
5,262 |
6,327 |
5,504 |
4,887 |
4,175 |
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Average Investments |
21,537 |
18,685 |
17,787 |
9,213 |
6,397 |
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Asset Quality |
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Net Interest Income |
10,429 |
6,463 |
5,444 |
2,981 |
2,491 |
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Noninterest Income |
79 |
491 |
377 |
260 |
565 |
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Extraordinary Gains, Net |
243 |
1,489 |
162 |
197 |
154 |
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Total Revenues |
14,212 |
13,514 |
9,324 |
5,812 |
5,760 |
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Loans Loss Provision |
7 |
310 |
276 |
400 |
200 |
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Operating Expenses |
4,709 |
3,317 |
4,502 |
2,228 |
1,724 |
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Income Tax |
124 |
115 |
42 |
0 |
60 |
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Net Income |
5,637 |
4,006 |
1,156 |
808 |
1,153 |
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Asset Quality |
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Total Past Due Loans |
633 |
647 |
1,769 |
2,655 |
1,550 |
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Loan Loss Reserve/Gross Loans |
3.71 |
5.19 |
9.01 |
13.59 |
19.63 |
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Past Due Loans / Gross Loans |
1.63 |
2.34 |
5.18 |
7.82 |
5.85 |
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Coverage of Past Due Loans |
228.06 |
221.75 |
173.85 |
173.86 |
335.75 |
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Net Past Due Loans / Equity |
(4.91) |
(7.66) |
(20.76) |
(35.17) |
(68.51) |
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Capital Adequacy |
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Equity/Assets |
13.31 |
11.23 |
10.27 |
10.45 |
11.57 |
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Equity / Gross Loans |
42.37 |
37.19 |
18.43 |
16.42 |
20.12 |
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Liquidity |
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Gross Loans / Gross Assets |
30.91 |
29.70 |
52.97 |
58.52 |
51.58 |
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Gross Loans / Deposits |
43.19 |
35.31 |
65.80 |
74.71 |
68.07 |
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Liquid Assets / Assets |
30.84 |
59.91 |
26.90 |
23.11 |
27.93 |
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Profitability |
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Return on Avg. Assets |
19.73 |
11.71 |
4.21 |
3.17 |
5.37 |
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Return on Avg. Equity |
214.25 |
126.65 |
42.02 |
33.07 |
55.23 |
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Net Interest Margin |
36.51 |
18.89 |
19.80 |
11.68 |
11.60 |
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Overhead Ratio |
45.16 |
51.33 |
82.69 |
74.74 |
69.21 |
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Operating Expenses / Avg. Assets |
16.48 |
9.70 |
16.37 |
8.73 |
8.03 |
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Noninterest Inc. / Total Revs. |
0.56 |
3.63 |
4.04 |
4.48 |
9.82 |
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Noninterest Inc. / Op. Exp. |
1.68 |
14.79 |
8.38 |
11.68 |
32.80 |
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Noninterest Inc. / Avg. Assets |
0.28 |
1.43 |
1.37 |
1.02 |
2.63 |
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Provision. / Avg. Assets |
0.45 |
2.94 |
1.03 |
1.57 |
1.27 |
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Effective Tax Rate |
2.15 |
2.79 |
3.50 |
0.00 |
4.95 |
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Productivity |
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Branches |
54 |
52 |
52 |
52 |
52 |
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Loans / Branch |
721 |
532 |
656 |
653 |
510 |
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Deposits / Branch |
1,670 |
1,506 |
998 |
874 |
749 |
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Growth Measures |
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Assets |
35.43 |
49.50 |
14.87 |
15.71 |
16.03 |
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Gross Loans |
40.88 |
(18.98) |
0.49 |
28.15 |
36.85 |
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Deposits |
15.16 |
50.98 |
14.10 |
16.76 |
27.73 |
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Equity |
60.51 |
63.46 |
12.84 |
4.58 |
25.29 |
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Net Income |
40.71 |
246.47 |
43.09 |
(29.90) |
161.08 |
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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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