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BANCO INDUSTRIAL DE VENEZUELA- 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 |
448,469 |
333,096 |
228,665 |
197,127 |
188,089 |
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Gross Loans |
40,658 |
38,315 |
31,794 |
32,088 |
23,514 |
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Gross Investments |
381,740 |
304,910 |
193,613 |
132,913 |
124,283 |
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Total Loan Loss Reserve |
9,684 |
8,901 |
8,866 |
7,866 |
7,895 |
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Other Assets |
26,440 |
19,070 |
16,651 |
24,704 |
15,392 |
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Total Deposits |
266,847 |
171,468 |
127,771 |
131,840 |
98,990 |
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Total Equity |
124,471 |
102,086 |
41,667 |
31,022 |
26,958 |
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Averages |
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Average Assets |
201,868 |
242,985 |
200,869 |
195,605 |
168,649 |
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Average Loans |
13,349 |
19,930 |
50,093 |
17,669 |
23,018 |
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Average Equity |
42,919 |
42,266 |
30,216 |
23,899 |
15,679 |
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Average Investments |
138,698 |
155,146 |
126,849 |
108,388 |
84,864 |
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Asset Quality |
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Net Interest Income |
15,857 |
9,132 |
6,826 |
9,222 |
8,518 |
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Noninterest Income |
6,344 |
329 |
402 |
254 |
55 |
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Extraordinary Gains, Net |
6,613 |
99,363 |
62,499 |
5,542 |
9,091 |
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Total Revenues |
47,784 |
121,946 |
79,989 |
23,294 |
25,940 |
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Loans Loss Provision |
268 |
80 |
1,028 |
0 |
0 |
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Operating Expenses |
12,377 |
9,167 |
15,669 |
10,161 |
4,527 |
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Income Tax |
0 |
0 |
0 |
0 |
1,130 |
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Net Income |
12,661 |
60,419 |
10,645 |
4,064 |
8,155 |
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Asset Quality |
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Total Past Due Loans |
9,257 |
8,527 |
7,867 |
8,981 |
8,803 |
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Loan Loss Reserve/Gross Loans |
23.82 |
23.23 |
27.88 |
24.52 |
33.58 |
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Past Due Loans / Gross Loans |
22.77 |
22.26 |
24.74 |
27.99 |
37.44 |
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Coverage of Past Due Loans |
104.61 |
104.38 |
112.69 |
87.59 |
89.69 |
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Net Past Due Loans / Equity |
(0.34) |
(0.37) |
(2.40) |
3.59 |
3.37 |
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Capital Adequacy |
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Equity/Assets |
27.75 |
30.65 |
18.22 |
15.74 |
14.33 |
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Equity / Gross Loans |
306.14 |
266.44 |
131.05 |
96.68 |
114.64 |
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Liquidity |
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Gross Loans / Gross Assets |
7.53 |
9.17 |
11.52 |
14.94 |
11.75 |
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Gross Loans / Deposits |
15.24 |
22.35 |
24.88 |
24.34 |
23.75 |
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Liquid Assets / Assets |
38.44 |
16.71 |
15.20 |
19.31 |
22.74 |
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Profitability |
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Return on Avg. Assets |
12.54 |
49.73 |
10.60 |
4.16 |
9.67 |
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Return on Avg. Equity |
59.00 |
285.90 |
70.46 |
34.01 |
104.02 |
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Net Interest Margin |
15.71 |
7.52 |
6.80 |
9.43 |
10.10 |
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Overhead Ratio |
78.06 |
100.39 |
229.53 |
110.19 |
53.14 |
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Operating Expenses / Avg. Assets |
12.26 |
7.55 |
15.60 |
10.39 |
5.37 |
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Noninterest Inc. / Total Revs. |
13.28 |
0.27 |
0.50 |
1.09 |
0.21 |
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Noninterest Inc. / Op. Exp. |
51.26 |
3.59 |
2.56 |
2.50 |
1.22 |
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Noninterest Inc. / Avg. Assets |
6.29 |
0.27 |
0.40 |
0.26 |
0.07 |
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Provision. / Avg. Assets |
3.41 |
32.30 |
43.23 |
0.81 |
4.57 |
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Effective Tax Rate |
0.00 |
0.00 |
0.00 |
0.00 |
12.17 |
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Productivity |
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Branches |
65 |
65 |
66 |
66 |
66 |
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Loans / Branch |
626 |
589 |
482 |
486 |
356 |
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Deposits / Branch |
4,105 |
2,638 |
1,936 |
1,998 |
1,500 |
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Growth Measures |
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Assets |
34.64 |
45.67 |
16.00 |
4.80 |
13.47 |
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Gross Loans |
6.12 |
20.51 |
(0.91) |
36.46 |
(4.68) |
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Deposits |
55.63 |
34.20 |
(3.09) |
33.18 |
73.32 |
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Equity |
21.93 |
145.01 |
34.31 |
15.08 |
43.37 |
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Net Income |
(79.05) |
467.58 |
161.91 |
(50.16) |
(10.67) |
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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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