MBU Informe Anual 2009 Ingles24may10:maquetaci..n 1

Earnings Consolidated
Balance Sheet (1)
Total Assets
Loan Portfolio (Net)
Deposits
Shareholders’ Equity
Income Statement (2)
Net Interest Income
Margin of Financial Intermediation
Personal and Operating Expenses
Income Before Income Tax
Net Income
Profitability Indicators (%)
Net Interest Margin (NIM)
Other Operating Income / Total Income
Net Income / Average Equity (ROE)
Net Income /Average Assets (ROA)
Capital Adequacy Indicators (%)
Equity / Risk-Weighted Assets
(regulatory minimum 12%) (3)
Equity / Risk-Weighted Assets (BIS) (4)
Equity / Assets (Current Regulatory minimum 8%, 10 %
up to december 2005) (3)
Loan Portfolio Quality Indicators (%)
Past-Due and Non-Performing Loans / Gross Loan Portfolio
Allowances for Loan Losses / Past-Due + Non-Performing Loans
Allowances for Loan Losses / Gross Loan Portfolio
Efficiency Indicators (%)
Operating Expenses / Average Total Assets
Operating Expenses / Total Income
Liquidity Indicators (%)
Cash and Due from Banks / Deposits
Cash and Due from Banks and Investment Portfolio / Deposits
Other Indicators (%)
Total Loan Portfolio / Deposits
Financial Assets / Total Assets
Financial Assets / Deposits
Number of Employees
Employees in Venezuela
Employees Abroad
Banking Distribution Network
Branches in Venezuela
Automatic Teller Machines (ATM)
Point of Sale Terminals (POS) (5)
Market Share (%) (6)
Loan Portfolio
Deposits
Financial Highlights
(In thousands of Bs. and millons of US$, except percentages and other indicators)
Year Ended
2009
US$ (1)
17,071
9,460
14,927
1,539
1,154
1,250
858
372
337
Mercantil Banco Universal
3
2009
bolivars
36,609,791
20,287,426
32,013,443
3,299,517
2,474,420
2,681,472
1,840,595
798,352
722,035
10.2
24.0
24.0
2.2
17.0
15.8
10.2
0.9
378.9
3.5
5.0
51.5
28.6
47.2
65.6
73.1
83.6
7,397
33
297
1,355
41,027
13.1
11.1
2008
bolivars
30,181,479
15,338,403
24,804,865
2,708,877
2,239,055
2,474,425
1,587,038
867,928
820,956
11.7
23.6
34.2
3.1
15.2
16.9
9.1
0.8
354.8
2.9
5.5
49.7
29.8
54.9
63.7
72.5
88.3
7,679
25
325
1,412
37,655
11.5
10.9
2007
bolivars
22,997,523
12,432,519
19,757,310
2,091,272
1,557,355
1,954,533
1,248,208
646,468
534,952
10.8
25.8
29.6
2.7
14.0
15.9
9.6
0.5
389.2
2.1
5,7
54,5
30.8
49.1
64.3
70.6
82.2
7,722
19
319
1,414
32,277
11.6
11.3
2006
bolivars
16,997,775
8,609,434
14,696,663
1,518,642
1,066,400
1,510,721
1,003,437
487,718
424,124
10.1
36.9
31.2
3.0
13.9
15.9
9.8
0.7
366.0
2.6
6.7
55.1
26.2
52.7
60.1
74.5
86.2
7,336
19
309
1,203
27,572
13.5
11.8
2005
bolivars
10,848,554
6,762,736
8,972,559
1,200,200
775,661
1,271,103
726,601
505,950
471,874
(1) And (2) Dollar figures are given for reference purposes only and are converted at the controlled exchange rate at December 31, 2009 of Bs. 2.1446/1US$. Exchange control has been in place in Venezuela since
February 2003.
(3) In accordance with the standards of the Superintence of Banks and other Financial Institutions (SUDEBAN) in Venezuela. As of 2006, venezuelan government bonds are reduced from Assets when calculating
the equity/assets ratio.
(4) Calculated using Consolidated Financial Statements adjusted for inflation up to 1999 in accordance with international Accounting Standard No. 29 (IAS-29) and following the standards of the Basel Committee
on Banking Supervision of the Bank for International Settlements.
(5) Physical points of sale.
(6) For Venezuelan operations.
10.2
44.6
42.5
4.9
13.9
15.5
11.1
0.4
709.5
2.5
7.1
48.3
21.3
39.7
77.3
78.9
95.4
6,648
29
300
1,010
18,358
17.1
12.3