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CITIBANK - 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 |
133,952 |
107,337 |
86,466 |
59,240 |
44,918 |
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Gross Loans |
88,870 |
53,556 |
41,019 |
20,790 |
6,845 |
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Gross Investments |
9,760 |
21,483 |
24,097 |
21,813 |
20,827 |
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Total Loan Loss Reserve |
1,755 |
1,262 |
811 |
469 |
213 |
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Other Assets |
2,533 |
4,561 |
1,758 |
1,235 |
737 |
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Total Deposits |
92,921 |
68,944 |
56,211 |
48,414 |
35,004 |
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Total Equity |
21,962 |
16,782 |
11,162 |
6,995 |
3,783 |
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Averages |
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Average Assets |
68,963 |
90,127 |
72,387 |
51,873 |
25,671 |
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Average Loans |
32,515 |
42,913 |
29,683 |
9,654 |
3,262 |
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Average Equity |
8,513 |
9,554 |
6,004 |
3,146 |
1,500 |
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Average Investments |
16,743 |
26,972 |
37,625 |
24,753 |
12,604 |
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Asset Quality |
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Net Interest Income |
11,683 |
11,818 |
7,835 |
3,854 |
2,637 |
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Noninterest Income |
2,647 |
2,155 |
1,737 |
2,270 |
1,371 |
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Extraordinary Gains, Net |
0 |
1,070 |
558 |
130 |
293 |
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Total Revenues |
17,490 |
20,121 |
13,506 |
8,496 |
5,908 |
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Loans Loss Provision |
492 |
420 |
342 |
255 |
116 |
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Operating Expenses |
8,633 |
6,144 |
4,237 |
2,626 |
1,903 |
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Income Tax |
0 |
1,500 |
1,384 |
161 |
111 |
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Net Income |
4,780 |
6,978 |
4,167 |
3,212 |
2,171 |
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Asset Quality |
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Total Past Due Loans |
1,435 |
677 |
513 |
286 |
140 |
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Loan Loss Reserve/Gross Loans |
1.97 |
2.36 |
1.98 |
2.25 |
3.12 |
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Past Due Loans / Gross Loans |
1.61 |
1.26 |
1.25 |
1.38 |
2.04 |
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Coverage of Past Due Loans |
122.26 |
186.39 |
158.11 |
163.78 |
152.75 |
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Net Past Due Loans / Equity |
(1.45) |
(3.49) |
(2.67) |
(2.61) |
(1.95) |
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Capital Adequacy |
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Equity/Assets |
16.40 |
15.63 |
12.91 |
11.81 |
8.42 |
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Equity / Gross Loans |
24.71 |
31.33 |
27.21 |
33.65 |
55.27 |
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Liquidity |
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Gross Loans / Gross Assets |
65.42 |
49.32 |
47.00 |
34.82 |
15.17 |
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Gross Loans / Deposits |
95.64 |
77.68 |
72.97 |
42.94 |
19.56 |
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Liquid Assets / Assets |
21.87 |
44.98 |
31.99 |
51.64 |
70.72 |
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Profitability |
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Return on Avg. Assets |
13.86 |
15.49 |
11.51 |
12.38 |
16.92 |
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Return on Avg. Equity |
112.31 |
146.08 |
138.80 |
204.17 |
289.43 |
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Net Interest Margin |
33.88 |
26.22 |
21.65 |
14.86 |
20.55 |
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Overhead Ratio |
73.89 |
51.99 |
54.08 |
68.14 |
72.17 |
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Operating Expenses / Avg. Assets |
25.04 |
13.63 |
11.71 |
10.13 |
14.83 |
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Noninterest Inc. / Total Revs. |
15.13 |
10.71 |
12.86 |
26.72 |
23.21 |
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Noninterest Inc. / Op. Exp. |
30.66 |
35.07 |
41.00 |
86.45 |
72.06 |
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Noninterest Inc. / Avg. Assets |
7.68 |
4.78 |
4.80 |
8.75 |
10.68 |
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Provision. / Avg. Assets |
1.83 |
0.93 |
0.95 |
0.98 |
0.90 |
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Effective Tax Rate |
0.00 |
17.69 |
24.93 |
4.78 |
4.86 |
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Productivity |
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Branches |
5 |
4 |
4 |
4 |
4 |
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Loans / Branch |
17,774 |
13,389 |
10,255 |
5,198 |
1,711 |
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Deposits / Branch |
18,584 |
17,236 |
14,053 |
12,104 |
8,751 |
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Growth Measures |
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Assets |
24.80 |
24.14 |
45.96 |
31.88 |
217.80 |
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Gross Loans |
65.94 |
30.56 |
97.30 |
203.72 |
160.50 |
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Deposits |
34.78 |
22.65 |
16.10 |
38.31 |
297.25 |
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Equity |
30.87 |
50.34 |
59.57 |
84.89 |
134.70 |
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Net Income |
(31.50) |
67.47 |
29.74 |
47.92 |
209.36 |
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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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