Information on Financial Activities
Quarter IV, 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 |
96 713,3 |
114 630,5 |
| Tier I Capital |
X |
80 636,8 |
96 713,3 |
114 630,5 |
| Tier II Capital |
X |
0,0 |
0,0 |
0,0 |
| Adequacy of Risk Weighted Capital (%) |
>12 |
21,56% |
22,46% |
24,19% |
| Coefficient of Long-Term Liquidity (P I) |
<1 |
0,55 |
0,64 |
0,50 |
| Long-Term Assets |
|
85 325,6 |
100 737,0 |
90 498,0 |
| Financial Resources |
|
153 806,1 |
156 439,5 |
182 480,4 |
| Coefficient of Current Liquidity (P II) |
>20% |
24,77% |
24,90% |
28,19% |
| Liquid Assets |
|
113 338,0 |
135 338,2 |
177 208,2 |
| Total Assets |
|
457 495,6 |
543 628,6 |
628 600,6 |
| Income Bearing Loans/Total Assets (%) |
X |
74,51% |
72,43% |
72,28% |
| Total Amount of “Largest” Loans " (MDL thou.) |
X |
90 894,6 |
96 539,1 |
90 519,8 |
| Bad Debts and Non Interest Loans (MDL thou.) |
X |
5 563,8 |
6 697,0 |
5 992,2 |
| Unfavorable Loans (Substandard, Doubtful and Bad Loans) (MDL thou.) |
X |
5 783,8 |
6 911,8 |
6 492,2 |
| Total Credits/Total Assets (%) |
X |
66,62% |
65,30% |
62,59% |
| Total Unfavorable Loans /Total Assets (%) |
X |
1,26% |
1,27% |
1,03% |
| Unfavorable Loans /Total Loans (%) |
X |
1,90% |
1,95% |
1,65% |
| Loan Loss Provisions/Total Loans (%) |
X |
3,35% |
3,31% |
3,04% |
| Deposits with private persons and corporate entities/Total Assets (%) |
X |
61,15% |
65,72% |
68,22% |
| ROA (%) |
X |
5,24% |
4,82% |
4,55% |
| ROE (%) |
X |
24,76% |
24,44% |
23,67% |
| Net Interest Margin (%) |
X |
11,68% |
10,66% |
10,43% |
| Efficiency Index (%) |
X |
188,48% |
183,11% |
177,11% |
Information on Financial Activities / 4 quarter2004 >
|
