Untitled - Banco Mercantil

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GOLDSCHMIDT, Gertrud (GEGO) Sin título (4/30) • 1991 • Serigraph on paper • 64 x 45.4 cm
Loan Portfolio Management Report by Business Global Commercial and Personal Banking Affluent 36% 39% Mass Market 12% 15% Middle Market 30% 25% Small Businesses 22% 21% Affluent M e r c a n t i l B a n c o U n i v e r s a l 33 The Affluent segment comprises a portfolio of 378,000 clients attended to by 185 executives. This segment registered 15% (Bs. 684 billion) growth in terms of new funds compared to December 2006. The main contribution to this growth was non-interest earning current accounts (Bs. 250 billion). The loan portfolio grew 47% compared to December 2006, reaching Bs. 3,413 billion at the close of 2007. The highest level of growth was observed in consumer products: Mortgages (21%), Vehicle Loans (47%) and Credit Cards (66%). The Affluent Unit continued to implement the strategy to form alliances with the communities of private clinics, universities, embassies, consulates and corporations, holding special events and operations to attract funds to assist the members of those communities. Products were cross marketed under this strategy, for instance through the sale of a large number of insurance policies and the expansion of various educational financing schemes. By Segment (%) By Region (%) 2007 2006 2007 2006 Provinces 69% 58% Metropolitan Area 31% 42%
Page 3 and 4: Banco Universal CONTENTS Financial
Page 5 and 6: Earnings Consolidated (In millons,
Page 7 and 8: Notice of Ordinary General Sharehol
Page 9 and 10: * All figures stated in US$ are con
Page 11 and 12: To assert the value of the Mercanti
Page 13 and 14: The Capital and Financial account d
Page 15 and 16: Fondonorma approved the ISO 90001:2
Page 17 and 18: Working Environment For the third y
Page 19 and 20: Statutory Auditors’ Report To the
Page 21 and 22: Financial Statements (Pursuant to t
Page 23 and 24: GOLDSCHMIDT, Gertrud (GEGO) Esfera
Page 25 and 26: Economic Climate Summary of Economi
Page 27 and 28: Management Discussion and Analysis
Page 29 and 30: Gross Loan Classified by Status (In
Page 31 and 32: Other Income, net Other Income, net
Page 33: GOLDSCHMIDT, Gertrud (GEGO) Chorro
Page 37 and 38: The volume of foreign exchange auth
Page 39 and 40: Corporate and Invesment Banking Loa
Page 41 and 42: Corporate Finance and Capital Marke
Page 43 and 44: Excess over reserve requirement + C
Page 45 and 46: Service Quality and Operating Effic
Page 47 and 48: Operational excellence in the Merca
Page 49 and 50: Considerable headway has been achie
Page 51 and 52: GOLDSCHMIDT, Gertrud (GEGO) Sin tí
Page 53 and 54: Human Resources Human Resources con
Page 55 and 56: GOLDSCHMIDT, Gertrud (GEGO) Tejedur
Page 57 and 58: Risk Management Good risk managemen
Page 59 and 60: For 2007, credit risk exposures by
Page 61 and 62: Market Risk Market risk appears in
Page 63 and 64: Loss-risk distribution by category
Page 65 and 66: Mercantil Banco Universal National
Page 67 and 68: Mercantil’s Social Contributions
Page 69 and 70: Quality of Life and Environment Don
Page 71 and 72: Prevention and Control of Money Lau
Page 73 and 74: Corporate Governance Mercantil Banc
Page 75 and 76: Board of Directors Compensation Com
Page 77 and 78: Internal Auditor In accordance with
Page 79 and 80: Awards and Acknowledgements M e r c
Page 81 and 82: Jonathan Coles Assistant Professor
Page 83 and 84: Federico Vollmer Acedo Vice Preside
Page 85 and 86:
Agency and Branch CORAL GABLES AGEN
Page 87:
GEGO Hamburg, 1912 - Caracas, 1994
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Untitled - Banco Mercantil

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