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BANCO DEL CARONI- 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 |
80,989 |
59,415 |
35,128 |
31,178 |
25,867 |
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Gross Loans |
9,057 |
7,396 |
6,173 |
4,052 |
3,143 |
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Gross Investments |
48,758 |
36,405 |
21,491 |
18,094 |
15,056 |
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Total Loan Loss Reserve |
696 |
601 |
491 |
391 |
248 |
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Other Assets |
1,797 |
1,570 |
1,214 |
763 |
151 |
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Total Deposits |
61,326 |
49,933 |
29,386 |
27,283 |
22,049 |
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Total Equity |
10,000 |
7,130 |
4,111 |
3,086 |
2,424 |
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Averages |
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Average Assets |
36,085 |
42,653 |
31,986 |
27,104 |
20,548 |
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Average Loans |
4,501 |
6,096 |
8,384 |
2,471 |
2,385 |
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Average Equity |
3,498 |
3,935 |
2,896 |
2,215 |
1,587 |
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Average Investments |
22,173 |
25,523 |
20,693 |
15,702 |
9,803 |
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Asset Quality |
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Net Interest Income |
6,445 |
5,118 |
2,527 |
1,832 |
1,368 |
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Noninterest Income |
63 |
111 |
71 |
57 |
32 |
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Extraordinary Gains, Net |
179 |
915 |
585 |
52 |
46 |
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Total Revenues |
8,696 |
8,858 |
5,201 |
3,497 |
3,609 |
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Loans Loss Provision |
269 |
110 |
100 |
143 |
61 |
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Operating Expenses |
2,996 |
2,183 |
1,852 |
997 |
757 |
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Income Tax |
342 |
280 |
90 |
50 |
20 |
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Net Income |
3,189 |
3,213 |
1,138 |
735 |
601 |
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Asset Quality |
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Total Past Due Loans |
339 |
617 |
282 |
334 |
265 |
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Loan Loss Reserve/Gross Loans |
7.68 |
8.12 |
7.95 |
9.64 |
7.89 |
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Past Due Loans / Gross Loans |
3.74 |
8.35 |
4.57 |
8.25 |
8.43 |
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Coverage of Past Due Loans |
205.51 |
97.33 |
173.84 |
116.94 |
93.66 |
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Net Past Due Loans / Equity |
(3.57) |
0.23 |
(5.07) |
(1.83) |
0.69 |
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Capital Adequacy |
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Equity/Assets |
12.35 |
12.00 |
11.70 |
9.90 |
9.37 |
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Equity / Gross Loans |
110.42 |
96.40 |
66.59 |
76.16 |
77.10 |
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Liquidity |
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Gross Loans / Gross Assets |
11.04 |
12.27 |
17.32 |
12.83 |
12.03 |
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Gross Loans / Deposits |
14.77 |
14.81 |
21.01 |
14.85 |
14.26 |
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Liquid Assets / Assets |
76.68 |
71.65 |
46.11 |
68.72 |
67.89 |
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Profitability |
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Return on Avg. Assets |
17.68 |
15.07 |
7.11 |
5.42 |
5.85 |
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Return on Avg. Equity |
182.36 |
163.30 |
78.58 |
66.38 |
75.74 |
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Net Interest Margin |
35.72 |
24.00 |
15.80 |
13.52 |
13.32 |
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Overhead Ratio |
46.49 |
42.65 |
73.29 |
54.42 |
55.33 |
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Operating Expenses / Avg. Assets |
16.61 |
10.24 |
11.58 |
7.36 |
7.37 |
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Noninterest Inc. / Total Revs. |
0.73 |
1.25 |
1.37 |
1.63 |
0.88 |
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Noninterest Inc. / Op. Exp. |
2.11 |
5.08 |
3.85 |
5.70 |
4.22 |
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Noninterest Inc. / Avg. Assets |
0.35 |
0.52 |
0.45 |
0.42 |
0.31 |
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Provision. / Avg. Assets |
2.12 |
2.19 |
0.65 |
1.18 |
0.66 |
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Effective Tax Rate |
9.69 |
8.03 |
7.33 |
6.37 |
3.22 |
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Productivity |
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Branches |
34 |
32 |
27 |
27 |
26 |
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Loans / Branch |
266 |
231 |
229 |
150 |
121 |
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Deposits / Branch |
1,804 |
1,560 |
1,088 |
1,010 |
848 |
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Growth Measures |
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Assets |
36.31 |
69.14 |
12.67 |
20.53 |
44.00 |
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Gross Loans |
22.45 |
19.82 |
52.33 |
28.92 |
11.17 |
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Deposits |
22.82 |
69.92 |
7.71 |
23.74 |
46.57 |
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Equity |
40.25 |
73.46 |
33.20 |
27.33 |
35.37 |
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Net Income |
(0.75) |
182.42 |
54.79 |
22.32 |
41.00 |
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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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