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BANCO EXTERIOR- 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 |
121,274 |
109,170 |
101,800 |
77,969 |
65,822 |
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Gross Loans |
63,742 |
42,006 |
34,549 |
25,786 |
20,537 |
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Gross Investments |
26,969 |
41,383 |
49,205 |
37,259 |
31,218 |
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Total Loan Loss Reserve |
1,804 |
1,818 |
1,563 |
1,551 |
1,281 |
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Other Assets |
694 |
1,984 |
1,363 |
890 |
710 |
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Total Deposits |
91,883 |
90,872 |
88,688 |
67,924 |
58,448 |
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Total Equity |
21,285 |
14,693 |
10,211 |
7,488 |
4,821 |
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Averages |
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Average Assets |
69,241 |
97,066 |
82,540 |
65,780 |
45,848 |
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Average Loans |
25,457 |
35,449 |
36,309 |
19,276 |
17,571 |
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Average Equity |
7,533 |
8,847 |
6,401 |
4,408 |
2,956 |
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Average Investments |
27,353 |
42,474 |
46,077 |
28,472 |
14,157 |
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Asset Quality |
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Net Interest Income |
10,789 |
9,039 |
6,454 |
5,560 |
4,836 |
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Noninterest Income |
5,556 |
1,353 |
782 |
673 |
262 |
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Extraordinary Gains, Net |
4 |
1,350 |
1,247 |
447 |
230 |
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Total Revenues |
21,018 |
19,764 |
15,372 |
11,254 |
9,618 |
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Loans Loss Provision |
763 |
255 |
330 |
270 |
490 |
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Operating Expenses |
5,883 |
4,314 |
3,681 |
2,794 |
2,378 |
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Income Tax |
0 |
500 |
200 |
350 |
220 |
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Net Income |
8,202 |
6,402 |
4,103 |
3,117 |
1,542 |
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Asset Quality |
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Total Past Due Loans |
700 |
834 |
683 |
961 |
1,066 |
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Loan Loss Reserve/Gross Loans |
2.83 |
4.33 |
4.52 |
6.01 |
6.24 |
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Past Due Loans / Gross Loans |
1.10 |
1.98 |
1.98 |
3.73 |
5.19 |
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Coverage of Past Due Loans |
257.74 |
218.04 |
228.64 |
161.30 |
120.11 |
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Net Past Due Loans / Equity |
(5.19) |
(6.70) |
(8.61) |
(7.87) |
(4.45) |
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Capital Adequacy |
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Equity/Assets |
17.55 |
13.46 |
10.03 |
9.60 |
7.32 |
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Equity / Gross Loans |
33.39 |
34.98 |
29.55 |
29.04 |
23.48 |
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Liquidity |
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Gross Loans / Gross Assets |
51.59 |
37.84 |
33.42 |
32.42 |
30.60 |
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Gross Loans / Deposits |
69.37 |
46.22 |
38.96 |
37.96 |
35.14 |
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Liquid Assets / Assets |
17.78 |
25.58 |
29.92 |
29.40 |
46.06 |
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Profitability |
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Return on Avg. Assets |
23.69 |
13.19 |
9.94 |
9.48 |
6.73 |
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Return on Avg. Equity |
217.77 |
144.74 |
128.21 |
141.43 |
104.30 |
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Net Interest Margin |
31.16 |
18.63 |
15.64 |
16.90 |
21.09 |
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Overhead Ratio |
54.53 |
47.72 |
57.03 |
50.25 |
49.18 |
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Operating Expenses / Avg. Assets |
16.99 |
8.89 |
8.92 |
8.49 |
10.37 |
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Noninterest Inc. / Total Revs. |
26.43 |
6.85 |
5.09 |
5.98 |
2.72 |
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Noninterest Inc. / Op. Exp. |
94.44 |
31.38 |
21.24 |
24.08 |
11.02 |
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Noninterest Inc. / Avg. Assets |
16.05 |
2.79 |
1.89 |
2.05 |
1.14 |
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Provision. / Avg. Assets |
3.48 |
1.09 |
1.21 |
1.27 |
5.18 |
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Effective Tax Rate |
0.00 |
7.24 |
4.65 |
10.09 |
12.49 |
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Productivity |
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Branches |
35 |
35 |
35 |
35 |
35 |
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Loans / Branch |
1,821 |
1,200 |
987 |
737 |
587 |
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Deposits / Branch |
2,625 |
2,596 |
2,534 |
1,941 |
1,670 |
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Growth Measures |
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Assets |
11.09 |
7.24 |
30.57 |
18.45 |
72.59 |
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Gross Loans |
51.75 |
21.58 |
33.98 |
25.56 |
22.42 |
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Deposits |
1.11 |
2.46 |
30.57 |
16.21 |
87.95 |
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Equity |
44.87 |
43.90 |
36.36 |
55.30 |
56.28 |
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Net Income |
28.11 |
56.03 |
31.64 |
102.18 |
2.69 |
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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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