FINANCIALS | 2020 | 2019 | Change | INVESTMENT SECURITIES (NET)
| 6.242.050 | 3.914.090
| 59,48%
| LOANS & FACTORING RECEIVABLES (NET)
| 10.176.417
| 7.568.126
| 34,46% | SHAREHOLDERS' EQUITY
| 2.602.044
| 2.097.840
| 24,03% | TOTAL ASSETS
| 21.898.158 | 18.409.081
| 18,95%
| GUARANTEES AND INDEMNITIES
| 2.117.288 | 1.485.218
| 42,56% | NET INTEREST INCOME
| 886.747
| 526.776 | 68,33% | PROFIT BEFORE TAXES
| 734.034 | 512.007
| 43,36% | NET PROFIT
| 560.047 | 410.663 | 36,38% |
PERFORMANCE RATIOS | 2020 | 2019 | CAPITAL ADEQUACY STANDARD RATIO | 14,39% | 14,85% | RETURN ON AVERAGE EQUITY | 23,83% | 22,37% | RETURN ON AVERAGE ASSETS (NET PROFIT BASIS) | 2,78% | 2,54% | NON-PERFORMING LOANS / TOTAL LOANS | 3,03%
| 4,05% | INTEREST INCOMES / INTEREST EXPENDITURES | 179,05% | 140,80% | YIELDING ASSETS / TOTAL ASSETS | 80,35% | 81,19% |
|
| INANCIALS
|
2015
|
2014
|
Change
|
|
|
|
|
BALANCES WITH BANKS & MONEY MARKET PLACEMENTS
|
216,299
|
155,337
|
39%
|
TRADING SECURITIES (NET)
|
9,271
|
4,251
|
118%
|
INVESTMENT SECURITIES (NET)
|
930,741
|
887,838
|
5%
|
LOANS & FACTORING RECEIVABLES (NET)
|
4,638,261
|
3,983,292
|
16%
|
FINANCIAL LEASE RECEIVABLES (NET)
|
-
|
-
|
-
|
SHAREHOLDERS’ EQUITY
|
879,915
|
886,604
|
-1%
|
TOTAL ASSETS
|
7,556,649
|
6,251,827
|
21%
|
GUARANTEES AND INDEMNITIES
|
631,362
|
991,109
|
-36%
|
NET INTEREST INCOME
|
307,398
|
238,622
|
29%
|
NET FEE AND COMMISSION INCOME
|
59,148
|
33,863
|
75%
|
PROFIT BEFORE TAXES
|
52,120
|
41,439
|
26%
|
PROVISION FOR TAXES ON INCOME
|
-26,153
|
-7,714
|
239%
|
|
|
|
|
NET PROFIT
|
25,967
|
33,725
|
-23%
|
PERFORMANCE RATIOS
|
2015
|
2014
|
|
|
|
CAPITAL ADEQUACY STANDARD RATIO
|
13.60%
|
12.73%
|
RETURN ON AVERAGE EQUITY
|
2.94%
|
3.91%
|
RETURN ON AVERAGE ASSETS (PROFIT BEFORE TAX BASIS)
|
0.75%
|
0.73%
|
RETURN ON AVERAGE ASSETS (NET PROFIT BASIS)
|
0.38%
|
0.59%
|
NET FEE AND COMMISSION INCOME / OPERATING COSTS
|
10.31%
|
9,51%
|
FIXED ASSETS (NET) / AVERAGE EQUITY
|
40.27%
|
34.42%
|
NON-PERFORMING LOANS / TOTAL LOANS
|
1.99%
|
3.01%
|
INTEREST INCOMES / INTEREST EXPENDITURES
|
180.19%
|
174.02%
|
YIELDING ASSETS / TOTAL ASSETS
|
76.68%
|
80.47%
|
|