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BANCO OCCIDENTAL DE DESCUENTO- 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 |
93,384 |
57,881 |
45,140 |
39,751 |
31,810 |
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Gross Loans |
48,948 |
29,124 |
28,327 |
23,693 |
13,372 |
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Gross Investments |
13,517 |
6,604 |
1,685 |
3,957 |
6,560 |
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Total Loan Loss Reserve |
2,937 |
2,268 |
1,496 |
1,471 |
918 |
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Other Assets |
1,606 |
864 |
593 |
843 |
884 |
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Total Deposits |
71,338 |
50,369 |
38,980 |
35,064 |
27,920 |
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Total Equity |
10,607 |
5,226 |
4,028 |
3,318 |
2,659 |
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Averages |
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Average Assets |
37,902 |
46,955 |
39,018 |
33,913 |
27,454 |
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Average Loans |
17,789 |
26,175 |
24,447 |
14,625 |
10,586 |
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Average Equity |
2,967 |
3,808 |
3,090 |
2,482 |
1,943 |
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Average Investments |
4,420 |
3,989 |
10,125 |
5,850 |
5,171 |
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Asset Quality |
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Net Interest Income |
5,970 |
3,990 |
2,800 |
2,518 |
2,148 |
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Noninterest Income |
3,107 |
380 |
387 |
414 |
394 |
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Extraordinary Gains, Net |
25 |
542 |
421 |
27 |
161 |
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Total Revenues |
11,970 |
8,337 |
6,258 |
4,897 |
4,995 |
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Loans Loss Provision |
700 |
780 |
183 |
560 |
496 |
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Operating Expenses |
3,355 |
2,285 |
2,388 |
1,565 |
1,499 |
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Income Tax |
275 |
250 |
180 |
100 |
70 |
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Net Income |
4,408 |
1,393 |
837 |
716 |
606 |
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Asset Quality |
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Total Past Due Loans |
725 |
1,233 |
182 |
367 |
630 |
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Loan Loss Reserve/Gross Loans |
6.00 |
7.79 |
5.28 |
6.21 |
6.86 |
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Past Due Loans / Gross Loans |
1.48 |
4.23 |
0.64 |
1.55 |
4.71 |
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Coverage of Past Due Loans |
405.21 |
184.03 |
822.63 |
400.62 |
145.60 |
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Net Past Due Loans / Equity |
(20.86) |
(19.82) |
(32.62) |
(33.27) |
(10.81) |
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Capital Adequacy |
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Equity/Assets |
11.36 |
9.03 |
8.92 |
8.35 |
8.36 |
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Equity / Gross Loans |
21.67 |
17.94 |
14.22 |
14.00 |
19.89 |
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Liquidity |
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Gross Loans / Gross Assets |
50.64 |
48.27 |
60.72 |
57.45 |
40.84 |
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Gross Loans / Deposits |
68.61 |
57.82 |
72.67 |
67.57 |
47.89 |
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Liquid Assets / Assets |
29.09 |
39.86 |
31.60 |
28.47 |
41.35 |
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Profitability |
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Return on Avg. Assets |
23.26 |
5.93 |
4.29 |
4.22 |
4.41 |
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Return on Avg. Equity |
297.16 |
73.17 |
54.17 |
57.67 |
62.37 |
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Net Interest Margin |
31.50 |
16.99 |
14.35 |
14.85 |
15.65 |
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Overhead Ratio |
56.20 |
57.26 |
85.26 |
62.17 |
69.78 |
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Operating Expenses / Avg. Assets |
17.70 |
9.73 |
12.24 |
9.23 |
10.92 |
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Noninterest Inc. / Total Revs. |
25.96 |
4.56 |
6.19 |
8.46 |
7.89 |
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Noninterest Inc. / Op. Exp. |
92.61 |
16.63 |
16.22 |
26.46 |
26.30 |
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Noninterest Inc. / Avg. Assets |
16.39 |
1.62 |
1.99 |
2.44 |
2.87 |
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Provision. / Avg. Assets |
4.49 |
4.19 |
1.04 |
3.41 |
3.85 |
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Effective Tax Rate |
5.86 |
15.22 |
17.70 |
12.26 |
10.36 |
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Productivity |
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Branches |
30 |
30 |
30 |
30 |
26 |
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Loans / Branch |
1,632 |
971 |
944 |
790 |
514 |
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Deposits / Branch |
2,378 |
1,679 |
1,299 |
1,169 |
1,074 |
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Growth Measures |
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Assets |
61.34 |
28.23 |
13.56 |
24.97 |
33.36 |
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Gross Loans |
68.07 |
2.81 |
19.56 |
77.18 |
41.35 |
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Deposits |
41.63 |
29.22 |
11.17 |
25.59 |
40.55 |
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Equity |
102.96 |
29.73 |
21.43 |
24.76 |
26.52 |
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Net Income |
216.42 |
66.44 |
16.96 |
18.11 |
7.40 |
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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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