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BANCO TEQUENDAMA- Financial Statistics, Dec 94 - Jan 97 (Nominal Bolivares in Millions) |
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|
Dec-96 |
Jun-96 |
Dec-95 |
Jun-95 |
Dec-94 |
|
Balance Sheet |
|
Total Assets |
3,687 |
2,731 |
3,275 |
1,880 |
1,059 |
|
Gross Loans |
1,473 |
1,299 |
1,086 |
475 |
220 |
|
Gross Investments |
1,012 |
328 |
1,019 |
776 |
482 |
|
Total Loan Loss Reserve |
22 |
43 |
22 |
11 |
6 |
|
Other Assets |
118 |
63 |
33 |
12 |
11 |
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Total Deposits |
1,788 |
1,026 |
1,303 |
594 |
394 |
|
Total Equity |
1,769 |
1,494 |
942 |
493 |
331 |
|
Averages |
|
Average Assets |
2,287 |
3,121 |
2,018 |
1,081 |
595 |
|
Average Loans |
984 |
1,272 |
880 |
222 |
150 |
|
Average Equity |
766 |
814 |
476 |
312 |
241 |
|
Average Investments |
331 |
665 |
1,001 |
405 |
197 |
|
Asset Quality |
|
Net Interest Income |
424 |
492 |
340 |
115 |
94 |
|
Noninterest Income |
0 |
269 |
263 |
142 |
34 |
|
Extraordinary Gains, Net |
2 |
48 |
1 |
0 |
6 |
|
Total Revenues |
505 |
877 |
621 |
269 |
141 |
|
Loans Loss Provision |
0 |
22 |
10 |
7 |
2 |
|
Operating Expenses |
203 |
236 |
197 |
89 |
56 |
|
Income Tax |
0 |
0 |
0 |
0 |
0 |
|
Net Income |
275 |
552 |
396 |
163 |
77 |
|
Asset Quality |
|
Total Past Due Loans |
1 |
0 |
1 |
14 |
7 |
|
Loan Loss Reserve/Gross Loans |
1.48 |
3.34 |
1.99 |
2.35 |
2.57 |
|
Past Due Loans / Gross Loans |
0.04 |
0.04 |
0.05 |
2.89 |
3.19 |
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Coverage of Past Due Loans |
4,032.16 |
9,175.26 |
4,121.71 |
81.54 |
80.44 |
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Net Past Due Loans / Equity |
(1.20) |
(2.87) |
(2.24) |
0.51 |
0.42 |
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Capital Adequacy |
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Equity/Assets |
47.98 |
54.71 |
28.75 |
26.23 |
31.21 |
|
Equity / Gross Loans |
120.12 |
115.02 |
86.67 |
103.78 |
150.34 |
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Liquidity |
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Gross Loans / Gross Assets |
39.65 |
46.82 |
32.96 |
25.12 |
20.65 |
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Gross Loans / Deposits |
82.36 |
126.61 |
83.38 |
79.95 |
55.81 |
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Liquid Assets / Assets |
46.54 |
50.27 |
64.05 |
72.53 |
75.40 |
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Profitability |
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Return on Avg. Assets |
24.05 |
35.40 |
39.29 |
30.07 |
25.78 |
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Return on Avg. Equity |
71.79 |
135.76 |
166.60 |
104.14 |
63.62 |
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Net Interest Margin |
37.05 |
31.55 |
33.69 |
21.33 |
31.44 |
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Overhead Ratio |
47.91 |
47.84 |
58.00 |
77.06 |
59.41 |
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Operating Expenses / Avg. Assets |
39.40 |
15.09 |
19.54 |
16.44 |
18.68 |
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Noninterest Inc. / Total Revs. |
0.04 |
30.71 |
42.40 |
52.93 |
24.13 |
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Noninterest Inc. / Op. Exp. |
0.10 |
114.38 |
133.66 |
160.17 |
61.29 |
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Noninterest Inc. / Avg. Assets |
0.02 |
17.26 |
26.11 |
26.33 |
11.45 |
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Provision. / Avg. Assets |
0.61 |
1.39 |
1.04 |
1.23 |
0.58 |
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Effective Tax Rate |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
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Productivity |
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Branches |
2 |
2 |
2 |
2 |
2 |
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Loans / Branch |
736 |
649 |
543 |
238 |
110 |
|
Deposits / Branch |
894 |
513 |
652 |
297 |
197 |
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Growth Measures |
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|
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Assets |
35.02 |
(16.61) |
74.18 |
77.50 |
198.23 |
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Gross Loans |
13.39 |
19.55 |
128.68 |
116.10 |
55.87 |
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Deposits |
74.29 |
(21.27) |
119.28 |
50.84 |
599.49 |
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Equity |
18.41 |
58.67 |
90.97 |
49.17 |
30.23 |
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Net Income |
(50.21) |
39.38 |
143.88 |
111.81 |
68.17 |
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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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