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BANCO 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 |
653,592 |
484,200 |
381,877 |
344,046 |
257,342 |
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Gross Loans |
211,816 |
179,176 |
146,590 |
109,556 |
82,148 |
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Gross Investments |
316,124 |
204,872 |
179,701 |
121,706 |
105,444 |
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Total Loan Loss Reserve |
23,396 |
27,457 |
20,506 |
16,669 |
19,078 |
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Other Assets |
2,956 |
15,936 |
14,675 |
72,894 |
6,995 |
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Total Deposits |
486,332 |
401,097 |
336,470 |
300,236 |
223,316 |
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Total Equity |
127,955 |
58,536 |
24,133 |
16,728 |
10,061 |
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Averages |
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Average Assets |
306,898 |
393,440 |
346,309 |
292,130 |
252,570 |
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Average Loans |
85,709 |
119,959 |
129,651 |
72,643 |
85,162 |
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Average Equity |
33,000 |
24,331 |
14,824 |
10,400 |
10,946 |
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Average Investments |
143,544 |
159,291 |
156,270 |
76,283 |
29,557 |
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Asset Quality |
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Net Interest Income |
49,764 |
34,081 |
20,430 |
17,010 |
-2,980 |
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Noninterest Income |
9,395 |
7,388 |
3,461 |
3,333 |
2,799 |
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Extraordinary Gains, Net |
231 |
27,965 |
4,493 |
440 |
411 |
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Total Revenues |
78,451 |
100,868 |
55,418 |
41,885 |
22,849 |
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Loans Loss Provision |
2,322 |
8,274 |
3,800 |
3,385 |
7,687 |
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Operating Expenses |
26,283 |
26,829 |
18,582 |
12,272 |
13,200 |
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Income Tax |
706 |
476 |
243 |
50 |
234 |
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Net Income |
23,896 |
26,045 |
4,475 |
2,008 |
-23,351 |
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Asset Quality |
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Total Past Due Loans |
3,604 |
13,782 |
15,271 |
20,250 |
18,909 |
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Loan Loss Reserve/Gross Loans |
11.05 |
15.32 |
13.99 |
15.22 |
23.22 |
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Past Due Loans / Gross Loans |
1.70 |
7.69 |
10.42 |
18.48 |
23.02 |
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Coverage of Past Due Loans |
649.16 |
199.22 |
134.28 |
82.32 |
100.89 |
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Net Past Due Loans / Equity |
(15.47) |
(23.36) |
(21.69) |
21.40 |
(1.68) |
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Capital Adequacy |
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Equity/Assets |
19.58 |
12.09 |
6.32 |
4.86 |
3.91 |
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Equity / Gross Loans |
60.41 |
32.67 |
16.46 |
15.27 |
12.25 |
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Liquidity |
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Gross Loans / Gross Assets |
30.96 |
34.57 |
35.96 |
29.98 |
29.30 |
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Gross Loans / Deposits |
43.55 |
44.67 |
43.57 |
36.49 |
36.79 |
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Liquid Assets / Assets |
16.80 |
31.74 |
17.88 |
21.39 |
40.44 |
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Profitability |
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Return on Avg. Assets |
15.57 |
13.24 |
2.58 |
1.37 |
(18.49) |
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Return on Avg. Equity |
144.82 |
214.09 |
60.37 |
38.62 |
(426.64) |
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Net Interest Margin |
32.43 |
17.32 |
11.80 |
11.65 |
(2.36) |
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Overhead Ratio |
52.81 |
78.72 |
90.96 |
72.14 |
(442.94) |
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Operating Expenses / Avg. Assets |
17.13 |
13.64 |
10.73 |
8.40 |
10.45 |
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Noninterest Inc. / Total Revs. |
11.98 |
7.32 |
6.25 |
7.96 |
12.25 |
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Noninterest Inc. / Op. Exp. |
35.75 |
27.54 |
18.63 |
27.16 |
21.21 |
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Noninterest Inc. / Avg. Assets |
6.12 |
3.76 |
2.00 |
2.28 |
2.22 |
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Provision. / Avg. Assets |
3.28 |
8.18 |
2.94 |
4.42 |
8.04 |
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Effective Tax Rate |
2.87 |
1.79 |
5.15 |
2.43 |
(1.01) |
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Productivity |
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Branches |
183 |
183 |
182 |
182 |
181 |
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Loans / Branch |
1,157 |
979 |
805 |
602 |
454 |
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Deposits / Branch |
2,658 |
2,192 |
1,849 |
1,650 |
1,234 |
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Growth Measures |
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Assets |
34.98 |
26.79 |
11.00 |
33.69 |
(3.69) |
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Gross Loans |
18.22 |
22.23 |
33.80 |
33.36 |
(25.03) |
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Deposits |
21.25 |
19.21 |
12.07 |
34.44 |
27.87 |
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Equity |
118.59 |
142.56 |
44.27 |
66.26 |
(42.28) |
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Net Income |
(8.25) |
482.05 |
122.84 |
(108.60) |
(477.90) |
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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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