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BANCO PROVINCIAL- 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 |
1,471,598 |
1,106,336 |
864,785 |
729,152 |
664,432 |
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Gross Loans |
546,093 |
359,539 |
342,371 |
237,024 |
193,862 |
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Gross Investments |
592,427 |
380,879 |
301,249 |
310,302 |
295,812 |
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Total Loan Loss Reserve |
48,187 |
37,474 |
30,410 |
18,999 |
15,147 |
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Other Assets |
6,966 |
15,201 |
9,181 |
4,971 |
2,904 |
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Total Deposits |
1,222,921 |
920,269 |
759,584 |
645,774 |
571,476 |
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Total Equity |
136,282 |
83,548 |
60,024 |
41,647 |
33,558 |
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Averages |
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Average Assets |
673,932 |
878,806 |
743,285 |
666,854 |
528,812 |
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Average Loans |
213,219 |
300,511 |
305,968 |
172,368 |
159,134 |
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Average Equity |
45,930 |
54,857 |
40,338 |
30,426 |
22,333 |
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Average Investments |
240,332 |
312,766 |
366,744 |
253,943 |
182,222 |
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Asset Quality |
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Net Interest Income |
97,226 |
67,757 |
40,654 |
35,622 |
40,263 |
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Noninterest Income |
8,175 |
9,230 |
8,686 |
8,057 |
4,707 |
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Extraordinary Gains, Net |
3,492 |
10,616 |
7,824 |
2,952 |
1,198 |
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Total Revenues |
159,906 |
153,108 |
111,746 |
87,133 |
96,433 |
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Loans Loss Provision |
20,535 |
8,140 |
9,881 |
5,150 |
10,596 |
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Operating Expenses |
46,344 |
40,486 |
29,691 |
24,956 |
18,286 |
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Income Tax |
599 |
4,750 |
1,900 |
3,000 |
3,000 |
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Net Income |
39,322 |
23,558 |
12,042 |
8,111 |
9,181 |
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Asset Quality |
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Total Past Due Loans |
18,200 |
19,342 |
14,090 |
15,202 |
15,895 |
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Loan Loss Reserve/Gross Loans |
8.82 |
10.42 |
8.88 |
8.02 |
7.81 |
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Past Due Loans / Gross Loans |
3.33 |
5.38 |
4.12 |
6.41 |
8.20 |
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Coverage of Past Due Loans |
264.76 |
193.75 |
215.82 |
124.98 |
95.29 |
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Net Past Due Loans / Equity |
(22.00) |
(21.70) |
(27.19) |
(9.12) |
2.23 |
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Capital Adequacy |
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Equity/Assets |
9.26 |
7.55 |
6.94 |
5.71 |
5.05 |
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Equity / Gross Loans |
24.96 |
23.24 |
17.53 |
17.57 |
17.31 |
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Liquidity |
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Gross Loans / Gross Assets |
35.57 |
31.15 |
38.16 |
31.40 |
28.35 |
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Gross Loans / Deposits |
44.65 |
39.07 |
45.07 |
36.70 |
33.92 |
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Liquid Assets / Assets |
30.17 |
47.11 |
30.55 |
45.99 |
38.14 |
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Profitability |
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Return on Avg. Assets |
11.67 |
5.36 |
3.24 |
2.43 |
3.47 |
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Return on Avg. Equity |
171.23 |
85.89 |
59.71 |
53.32 |
82.22 |
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Net Interest Margin |
28.85 |
15.42 |
10.94 |
10.68 |
15.23 |
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Overhead Ratio |
47.67 |
59.75 |
73.03 |
70.06 |
45.42 |
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Operating Expenses / Avg. Assets |
13.75 |
9.21 |
7.99 |
7.48 |
6.92 |
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Noninterest Inc. / Total Revs. |
5.11 |
6.03 |
7.77 |
9.25 |
4.88 |
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Noninterest Inc. / Op. Exp. |
17.64 |
22.80 |
29.25 |
32.29 |
25.74 |
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Noninterest Inc. / Avg. Assets |
2.43 |
2.10 |
2.34 |
2.42 |
1.78 |
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Provision. / Avg. Assets |
6.94 |
4.28 |
3.64 |
3.17 |
5.94 |
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Effective Tax Rate |
1.50 |
16.78 |
13.63 |
27.00 |
24.63 |
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Productivity |
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Branches |
197 |
198 |
195 |
143 |
128 |
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Loans / Branch |
2,772 |
1,816 |
1,756 |
1,658 |
1,515 |
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Deposits / Branch |
6,208 |
4,648 |
3,895 |
4,516 |
4,465 |
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Growth Measures |
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Assets |
33.02 |
27.93 |
18.60 |
9.74 |
44.73 |
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Gross Loans |
51.89 |
5.01 |
44.45 |
22.26 |
17.25 |
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Deposits |
32.89 |
21.15 |
17.62 |
13.00 |
49.74 |
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Equity |
63.12 |
39.19 |
44.13 |
24.10 |
37.41 |
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Net Income |
66.92 |
95.63 |
48.47 |
(11.66) |
30.56 |
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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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