|
Information on Financial Activities
Quarter III, 2004
| Financial
Indicators |
Regulatory Value |
Actual Results
|
| |
|
End of the year,
previous
to the accounting year |
Quarter, previous
to the
accounting one |
Accounting
quarter
|
| Aggregated Normative Capital (MDL thou.) |
X |
80 636,8 |
95 900,9 |
96 713,3 |
| Tier I Capital |
X |
80 636,8 |
95 900,9 |
96 713,3 |
| Tier II Capital |
X |
0,0 |
0,0 |
0,0 |
| Adequacy of Risk Weighted Capital (%) |
>12 |
21,56% |
22,46% |
22,46% |
| Coefficient of Long-Term Liquidity (P I) |
<1 |
0,55 |
0,56 |
0,64 |
| Long-Term Assets |
|
85 325,6 |
91 750,1 |
100 737,0 |
| Financial Resources |
|
153 806,1 |
162 691,6 |
156 439,5 |
| Coefficient of Current Liquidity (P II) |
>20% |
24,77% |
20,38% |
24,90% |
| Liquid Assets |
|
113 338,0 |
105 111,2 |
135 338,2 |
| Total Assets |
|
457 495,6 |
515 640,8 |
543 628,6 |
| Income Bearing Loans/Total Assets (%) |
X |
74,51% |
73,68% |
72,43% |
| Total Amount of “Largest” Loans " (MDL thou.) |
X |
90 894,6 |
111 115,9 |
96 539,1 |
| Bad Debts and Non Interest Loans (MDL thou.) |
X |
5 563,8 |
5 503,4 |
6 697,0 |
| Unfavorable Loans (Substandard, Doubtful and Bad Loans) (MDL thou.) |
X |
5 783,8 |
7 124,6 |
6 911,8 |
| Total Credits/Total Assets (%) |
X |
66,62% |
67,89% |
65,30% |
| Total Unfavorable Loans /Total Assets (%) |
X |
1,26% |
1,38% |
1,27% |
| Unfavorable Loans /Total Loans (%) |
X |
1,90% |
2,04% |
1,95% |
| Loan Loss Provisions/Total Loans (%) |
X |
3,35% |
3,44% |
3,31% |
| Deposits with private persons and corporate entities/Total Assets (%) |
X |
61,15% |
61,56% |
65,72% |
| ROA (%) |
X |
5,24% |
5,65% |
4,82% |
| ROE (%) |
X |
24,76% |
28,95% |
24,44% |
| Net Interest Margin (%) |
X |
11,68% |
10,73% |
10,66% |
| Efficiency Index (%) |
X |
188% |
184% |
183% |
Information on Financial Activities / 3 quarter 2004 >
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