- The document provides financial information for the commercial banking system in Peru as of December 31, 2001, including balance sheet data for major banks. - It shows assets, liabilities, capital funds and contingent liabilities for 15 banks operating in Peru. Total assets for the banking system were $18.4 billion. - Major asset categories included loans (51% of assets), investments and cash/legal reserves. Total deposits comprised 71% of liabilities, while borrowed funds made up 17% and capital funds was 9% of liabilities.

1. Source: the Peruvian Bank Insurance Superintendency PERU December 31, 2001
US $000
COMMERCIAL BANKING SYSTEM
BALANCE SHEET CONTNT INTBNK CRDTO WIESE SUDAM CITIBANK STDCHT BOSTON BNP BSCH COMER BIF FINAN NBK NVOMDO TOTAL
QUICK ASSETS 1,367,953 505,540 1,683,893 1,373,612 137,983 272,992 70,669 88,951 16,346 448,560 38,934 54,440 146,235 53,090 116,569 6,375,769
Cash & Legal Reserves 92,395 55,736 186,504 95,545 8,013 20,206 2,646 10,402 44 45,754 8,249 5,097 11,364 533 749 543,236
Due from Banks-Demand 777,140 159,762 1,210,997 558,179 95,631 197,728 46,540 52,893 14,261 229,071 21,618 48,224 47,668 52,363 102,060 3,614,135
Clearance 12,534 12,260 35,222 13,266 2,595 12,297 1,017 708 1,040 10,865 576 1,119 1,754 367 - 105,621
Marketable Securities S/T 485,884 277,782 251,170 706,622 31,743 42,762 20,466 24,949 1,000 162,871 8,491 - 85,450 (174) 13,760 2,112,776
LOANS 1,515,718 738,494 2,473,296 1,981,191 437,287 504,063 60,648 205,130 13,386 756,524 130,667 223,838 241,849 125,094 240,509 9,647,695
Call Loans to Domestic Banks 51,684 22,503 32,567 16,670 4,791 - 2,628 - - 6,800 9,379 6,098 15,142 - - 168,260
Overdrafts 46,089 30,419 139,760 116,287 22,385 43,324 1,239 169 4 21,706 13,921 6,570 7,780 7,935 1,534 459,124
Bills & Discounts + Loans 992,192 508,633 1,440,527 1,268,051 270,591 371,202 51,127 159,577 10,067 275,782 76,141 77,421 94,188 14,335 43,928 5,653,762
Mortgage Financing 203,971 37,777 216,886 142,366 64,644 32,926 15 24,601 - 177,928 - 27,675 11,245 828 9,111 949,972
Other & LT Loans + Leasing 168,403 43,993 488,252 297,828 66,233 58,800 4,478 26,690 3,577 233,296 30,086 91,822 38,725 62,760 85,021 1,699,965
Refinanced Credits 106,234 127,368 219,698 191,391 26,880 10,049 1,505 - - 102,984 22,213 33,389 92,852 6,784 28,380 969,726
Doubtful & Problem Loans 115,160 94,121 262,259 289,654 29,971 14,292 6,711 1,511 - 87,909 18,809 9,636 23,409 132,389 221,709 1,307,539
- Loan Loss Reserve (151,923) (107,618) (293,964) (309,901) (30,498) (25,241) (6,728) (4,313) (199) (87,632) (24,146) (20,323) (21,533) (83,734) (129,585) (1,297,339)
-Interest & Fees-Unearned (16,092) (18,700) (32,689) (31,156) (17,711) (1,288) (328) (3,106) (62) (62,248) (15,735) (8,449) (19,959) (16,202) (19,590) (263,315)
Int. Fees & Other Collections 91,554 78,704 65,890 91,273 25,156 15,034 5,635 8,438 317 25,273 13,182 4,072 25,396 22,456 10,727 483,106
Adjudicated Assets 3,870 17,219 31,375 44,222 9,678 1,034 883 - - 22,217 5,898 5,008 12,518 5,003 2,630 161,553
Investments & Subsidiaries 49,810 8,142 168,367 116,013 3,436 1,168 458 12 10 14,066 3,111 13 1,760 3,215 - 369,580
Net Fixed Assets 76,828 91,300 166,187 184,596 21,794 16,211 8,365 1,653 632 62,178 13,458 17,512 22,190 21,461 38,376 742,740
- - - - - - - - - - - - - - - -
Other Assets 30,037 68,256 119,627 243,373 19,698 9,698 2,455 6,095 357 42,252 4,376 5,874 19,550 6,497 33,229 611,373
TOTAL ASSETS 3,135,769 1,507,654 4,708,635 4,034,280 655,031 820,201 149,113 310,280 31,047 1,371,070 209,625 310,756 469,499 236,815 442,040 18,391,815
DEPOSITS 2,686,621 1,114,957 3,822,980 2,609,002 373,561 440,694 111,960 182,981 10,034 795,748 151,445 174,726 289,140 194,069 142,983 13,100,902
Demand Deposits 374,322 112,786 762,145 367,832 34,965 155,159 17,780 17,471 5,640 147,377 15,112 28,190 13,893 14,046 5,595 2,072,313
Savings 576,084 311,678 1,393,652 633,565 81,742 96,365 6,721 - - 212,985 26,227 11,040 36,953 53,418 9,858 3,450,288
Time Deposits (Incl. CTS + FCBC) 1,701,400 478,900 1,620,780 1,443,569 247,606 170,899 86,039 162,627 3,880 359,432 106,276 133,235 222,459 96,589 103,148 6,936,839
Deposits Retained as Guarantee 4,665 24,019 - 93,150 168 10,930 657 1,497 508 47,922 110 1 12,283 3 11,420 207,332
Other Deposits 30,152 187,575 46,403 70,886 9,080 7,342 763 1,386 6 28,032 3,720 2,260 3,552 30,012 12,962 434,130
BORROWED FUNDS 120,928 234,253 221,625 961,908 217,079 248,417 2,873 86,528 10,738 406,627 29,198 103,262 85,575 109,714 312,299 3,151,024
- Call Loans from domestic banks 871 - 15,000 15,000 - 40,191 2,729 15,244 1,887 7,491 - - 74 - - 98,489
- Financing f/ banks & Central Bank 120,057 179,377 76,427 821,908 141,017 208,226 143 71,284 8,851 89,569 12,169 85,256 73,280 91,469 258,566 2,237,598
- Bonds & Mortgage Bills Outstanding - 54,877 130,199 125,000 76,062 - - - - 309,566 17,029 18,006 12,220 18,245 53,733 814,937
Int. & Feesearned-Unearned 10,240 7,694 15,992 6,825 6,410 3,956 896 4,836 1 7,006 2,055 1,375 4,981 11,389 22,079 105,735
Other Liabilities 35,928 39,473 116,665 94,255 7,952 14,334 4,668 7,423 260 33,626 7,835 2,529 25,082 7,590 35,524 433,145
Pension Funds & Other Reserves - - - - - - - - - - - - - - - -
Other Provisions & Reserves 6,364 6,805 - 717 - - - 641 126 - - - - - 2,987 17,639
TOTAL LIABILITIES 2,860,081 1,403,183 4,177,263 3,672,706 605,002 707,401 120,396 282,409 21,160 1,243,008 190,533 281,893 404,778 322,762 515,871 16,808,445
CAPITAL FUNDS 275,688 104,472 531,372 361,574 50,029 112,799 28,717 27,871 9,888 128,062 19,091 28,864 64,721 (85,946) (73,832) 1,583,370
Paid-in Capital 219,575 73,930 291,446 227,971 46,898 95,499 24,394 28,320 14,680 116,463 16,564 26,109 29,081 - - 1,210,930
Capital Surplus - - - 70,793 - - - - - - 2,992 - 38,048 - - 111,834
Legal Reserves 35,920 27,336 187,538 79,636 2,361 3,107 7,682 - - 10,530 - 1,218 1,347 - - 356,675
- - - - - - - - - - - - - - - -
Retained Earnings - - 160 - (242) - (3,666) (2,684) (3,787) - (636) 9 - (30,873) (23,295) (65,013)
Net Profit/ (Loss) Current Year 20,194 3,205 52,227 (16,826) 1,012 14,193 308 2,235 (1,006) 1,069 172 1,528 (3,756) (55,074) (50,537) (31,055)
TOTAL LIAB.& CAP.FUNDS 3,135,769 1,507,654 4,708,635 4,034,280 655,031 820,201 149,113 310,280 31,047 1,371,070 209,625 310,756 469,499 236,815 442,040 18,391,815
CONTINGENT LIABILITIES 379,720 221,723 724,907 620,008 158,123 257,707 109,792 216,876 8,489 431,498 37,046 45,830 96,973 22,679 19,326 3,350,695
Financial Derivatives 108,698 35,716 159,120 135,124 48,730 87,522 89,574 174,489 1,999 240,486 - - 4,542 - - 1,085,999
Contingent Credits 271,022 186,007 565,787 484,884 109,393 170,185 20,217 42,387 6,490 191,012 37,046 45,830 92,431 22,679 19,326 2,264,696
- - - - - - - - - - - - - - - -
Exchange rate used (S/. = US$ 1) $ 0.290 ---DOES NOT INCLUDE NEITHER CONSUMER ORIENTED BANKS NOR "MI BANCO"---
Jorge Romani Page 1
Ph +51(1) 919-8252 romani@terra.com.pe 1/30/2011 SFN-1201-BNM+NBK $SFN1201

2. Source: the Peruvian Bank Insurance Superintendency PERU December 31, 2001
US $000
COMMERCIAL BANKING SYSTEM
PROFIT & LOSS STAT. CONTNT INTBNK CRDTO WIESE SUDAM CITIBANK STDCHT BOSTON BNP BSCH COMER BIF FINAN NBK NVOMDO TOTAL
FINANCIAL INCOME 267,306 162,814 476,893 362,526 71,265 90,751 15,448 35,835 2,444 148,157 32,748 31,182 27,479 4,418 29,390 1,758,657
Ints.& Fees/ Loans 180,368 110,787 335,418 258,000 57,089 63,456 7,013 22,127 1,233 100,587 27,780 26,541 21,587 3,262 25,154 1,240,402
Ints.& Fees/ Loans to Banks-Demand 28,921 6,506 47,344 22,953 2,727 7,059 1,293 1,947 362 8,459 1,055 1,567 892 600 2,406 134,091
Ints.& Fees/ Due from Banks 2,311 280 2,681 307 374 839 260 245 56 149 142 211 146 - 7 8,008
Fees from Contingent Liabilities 5,510 2,798 11,426 9,895 2,772 1,687 997 756 283 2,491 1,344 1,126 1,767 125 631 43,606
Trustees & Adm. fees 172 576 564 1,242 704 - - 198 111 - 168 314 14 82 160 4,305
Exchange Gain 13,153 4,960 19,548 18,670 4,382 4,194 3,271 9,070 321 12,965 938 907 1,952 292 790 95,412
Gain/ (Loss) on Equities Portfolio 36,711 35,675 38,061 48,897 3,090 13,339 2,613 1,462 77 22,448 1,030 - 1,036 34 170 204,643
Other Financial Income 161 1,233 21,851 2,562 127 177 1 30 1 1,059 290 517 87 23 71 28,190
FINANCIAL EXPENSES (114,373) (82,089) (168,393) (224,569) (38,034) (41,265) (7,399) (24,196) (558) (72,870) (15,422) (17,027) (16,537) (16,058) (26,972) (865,762)
Interest/ Deposits (100,399) (53,863) (132,864) (135,104) (17,520) (16,851) (6,000) (15,558) (357) (33,007) (12,976) (7,669) (9,888) (8,389) (7,041) (557,485)
Interest/ Placements (41) (1,157) (600) (1,239) (102) (821) (705) (1,008) (137) (553) (129) (68) (245) - - (6,806)
Ints.& Fees/ Borrowed Funds (5,931) (21,168) (21,929) (70,695) (18,123) (10,676) (661) (5,155) (45) (34,722) (1,978) (9,133) (5,598) (7,010) (18,716) (231,540)
Exchange Losses - - (29) - (67) (4,927) - (2,375) (6) (252) - (26) - (9) - (7,691)
Deposits Indexed to Inflation (0) (1,089) (601) (29) - 116 - (33) - (184) - - (18) - - (1,839)
Deposits' Insurance + Others (8,002) (4,811) (12,370) (17,501) (2,222) (8,106) (33) (66) (13) (4,152) (338) (132) (788) (650) (1,216) (60,400)
GROSS FINANCIAL RESULT 152,933 80,725 308,500 137,956 33,231 49,486 8,049 11,639 1,885 75,288 17,326 14,155 10,943 (11,641) 2,418 892,895
- Loan Loss Provision (59,197) (2,568) (94,027) 5,125 (7,758) (5,058) (370) (1,726) (66) (17,694) (3,395) (1,013) 159 (21,792) (23,897) (233,278)
- Provision for Loan Losses (59,197) (2,568) (94,027) 5,125 (7,758) (5,058) (370) (1,726) (66) (17,694) (3,395) (1,013) 159 (21,792) (23,897) (233,278)
NET FINANCIAL RESULT 93,736 78,157 214,473 143,081 25,473 44,427 7,679 9,913 1,819 57,594 13,931 13,142 11,101 (33,433) (21,479) 659,616
OTHER INCOME 55,524 26,172 119,576 34,306 3,610 11,100 1,583 6,254 115 18,662 1,944 2,398 2,465 264 1,266 285,240
OTHER EXPENSE (133,960) (83,687) (287,658) (197,547) (27,670) (43,050) (8,284) (12,720) (3,024) (80,772) (14,742) (17,425) (18,060) (18,767) (27,788) (975,154)
Personnel & Board (56,457) (23,889) (111,559) (69,809) (11,248) (20,908) (3,641) (5,981) (1,824) (26,560) (5,638) (5,794) (6,758) (6,207) (8,879) (365,151)
Gral & Administrative Expenses (53,378) (32,783) (131,209) (75,136) (10,946) (14,536) (4,168) (5,400) (876) (39,792) (6,994) (8,434) (8,722) (8,456) (14,880) (415,710)
Depreciation & Amortization (16,936) (22,436) (29,267) (31,391) (3,458) (1,970) (135) (608) (229) (8,185) (1,223) (1,462) (1,328) (1,413) (3,162) (123,204)
Miscellaneous (7,190) (4,579) (15,624) (21,211) (2,019) (5,636) (340) (730) (94) (6,235) (888) (1,735) (1,252) (2,690) (867) (71,089)
E.B.I.Tx. 15,300 20,642 46,391 (20,160) 1,413 12,477 977 3,448 (1,089) (4,516) 1,132 (1,884) (4,493) (51,936) (48,001) (30,298)
Income Taxes (5,865) - (18,569) 276 (560) (3,833) (606) (1,615) 111 (295) - - - - - (30,957)
Result on Inflationary Exposure REI 2,513 (1,079) (575) 2,605 375 6,847 (215) 512 (22) 1,588 (33) 94 280 (657) (1,151) 11,083
Extraord.Income/ (Charge) 8,246 (16,358) 24,980 454 (216) (1,298) 152 (110) (6) 4,291 (928) 3,318 458 (2,481) (1,385) 19,117
NET PROFIT/(LOSS) 20,194 3,205 52,227 (16,826) 1,012 14,193 308 2,235 (1,006) 1,069 172 1,528 (3,756) (55,074) (50,537) (31,055)
NET PROFIT/(LOSS) - REI 17,681 3,205 52,227 (19,430) 637 7,346 308 1,723 (1,006) (520) 172 1,434 (4,036) (55,074) (50,537) (42,138)
Jorge Romani Page 2
Ph +51(1) 919-8252 romani@terra.com.pe 1/30/2011 SFN-1201-BNM+NBK $SFN1201

3. Source: the Peruvian Bank Insurance Superintendency PERU December 31, 2001
US $000
COMMERCIAL BANKING SYSTEM
FINANCIAL RATIOS CONTNT INTBNK CRDTO WIESE SUDAM CITIBANK STDCHT BOSTON BNP BSCH COMER BIF FINAN NBK NVOMDO TOTAL
PERCENTUAL STRUCTURE ESTRUCTURA PORCENTUAL
Quick Assets/ Total Assets 43.6% 33.5% 35.8% 34.0% 21.1% 33.3% 47.4% 28.7% 52.6% 32.7% 18.6% 17.5% 31.1% 22.4% 26.4% 34.7%
Marketable Securities/ Total Assets 15.5% 18.4% 5.3% 17.5% 4.8% 5.2% 13.7% 8.0% 3.2% 11.9% 4.1% 0.0% 18.2% (0.1%) 3.1% 11.5%
Net Loans/ Total Assets 48.3% 49.0% 52.5% 49.1% 66.8% 61.5% 40.7% 66.1% 43.1% 55.2% 62.3% 72.0% 51.5% 52.8% 54.4% 52.5%
Gross Loans/ Total Assets 53.7% 57.4% 59.5% 57.6% 74.1% 64.7% 45.4% 68.5% 44.0% 66.1% 81.4% 81.3% 60.3% 95.0% 88.2% 60.9%
Overdrafts/ Gross Loans 2.7% 3.5% 5.0% 5.0% 4.6% 8.2% 1.8% 0.1% 0.0% 2.4% 8.2% 2.6% 2.7% 3.5% 0.4% 4.1%
Bills, Disc.& Prom.Notes/Gross Loans 58.9% 58.8% 51.4% 54.6% 55.7% 70.0% 75.5% 75.1% 73.8% 30.4% 44.6% 30.6% 33.2% 6.4% 11.3% 50.4%
Net Fixed Assets/ Total Assets 2.5% 6.1% 3.5% 4.6% 3.3% 2.0% 5.6% 0.5% 2.0% 4.5% 6.4% 5.6% 4.7% 9.1% 8.7% 4.0%
Deposits/ (Liabilities + Capital Funds) 85.7% 74.0% 81.2% 64.7% 57.0% 53.7% 75.1% 59.0% 32.3% 58.0% 72.2% 56.2% 61.6% 81.9% 32.3% 71.2%
Savings/ Deposits 21.4% 28.0% 36.5% 24.3% 21.9% 21.9% 6.0% 0.0% 0.0% 26.8% 17.3% 6.3% 12.8% 27.5% 6.9% 26.3%
Time Deposits/ Deposits 63.3% 43.0% 42.4% 55.3% 66.3% 38.8% 76.8% 88.9% 38.7% 45.2% 70.2% 76.3% 76.9% 49.8% 72.1% 52.9%
Placements/ Deposits 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Borrowed Funds/Liab.+ Capital Funds 3.9% 15.5% 4.7% 23.8% 33.1% 30.3% 1.9% 27.9% 34.6% 29.7% 13.9% 33.2% 18.2% 46.3% 70.6% 17.1%
Bonds & Mrtge.Bills/Liab.+ Cap.Funds 0.0% 3.6% 2.8% 3.1% 11.6% 0.0% 0.0% 0.0% 0.0% 22.6% 8.1% 5.8% 2.6% 7.7% 12.2% 4.4%
Cap.Funds/ Liab.+ Capital Funds 8.8% 6.9% 11.3% 9.0% 7.6% 13.8% 19.3% 9.0% 31.8% 9.3% 9.1% 9.3% 13.8% (36.3%) (16.7%) 8.6%
OPERATIONAL RATIOS COEFICIENTES OPERATIVOS Y DE RENTABILIDAD
Return on Equity (ROE) 6.4% 3.1% 9.8% (5.4%) 1.3% 6.5% 1.1% 6.2% (10.2%) (0.4%) 0.9% 5.0% (6.2%) 64.1% 68.4% (2.7%)
Return on Assets (ROA) 0.6% 0.2% 1.1% (0.5%) 0.1% 0.9% 0.2% 0.6% (3.2%) (0.0%) 0.1% 0.5% (0.9%) (23.3%) (11.4%) (0.2%)
Net Profit (Loss)/ Total Deposits 0.7% 0.3% 1.4% (0.7%) 0.2% 1.7% 0.3% 0.9% (10.0%) (0.1%) 0.1% 0.8% (1.4%) (28.4%) (35.3%) (0.3%)
Net Profits/ Earning Assets 9.4% 14.5% 11.6% 11.0% 13.0% 11.8% 12.0% 12.1% 8.5% 13.4% 21.1% 12.3% 9.4% 3.5% 12.4% 11.5%
Return on Risk Assets-RORA 1.0% 0.3% 1.7% (0.7%) 0.1% 1.3% 0.4% 0.8% (6.8%) (0.1%) 0.1% 0.6% (1.2%) (30.0%) (15.5%) (0.4%)
Risk Assets (US$MM) $ 1,768 $ 1,002 $ 3,025 $ 2,661 $ 517 $ 547 $ 78 $ 221 $ 15 $ 923 $ 171 $ 256 $ 323 $ 184 $ 325 $ 12,016
Operating Cost/ Net Fcial Result 135.2% 101.2% 126.8% 123.2% 100.7% 84.2% 103.5% 120.9% 161.0% 129.4% 99.5% 119.4% 151.4% (48.1%) (125.3%) 137.1%
Operating Cost/ Total Assets 4.0% 5.2% 5.8% 4.4% 3.9% 4.6% 5.3% 3.9% 9.4% 5.4% 6.6% 5.0% 3.6% 6.8% 6.1% 4.9%
Personnel/ Total Deposits 2.1% 2.1% 2.9% 2.7% 3.0% 4.7% 3.3% 3.3% 18.2% 3.3% 3.7% 3.3% 2.3% 3.2% 6.2% 2.8%
Personnel/ Total Asssets 1.8% 1.6% 2.4% 1.7% 1.7% 2.5% 2.4% 1.9% 5.9% 1.9% 2.7% 1.9% 1.4% 2.6% 2.0% 2.0%
Operating Cost/ Earning Assets 4.4% 7.0% 6.6% 5.4% 4.7% 4.9% 6.1% 4.0% 10.1% 6.7% 8.9% 6.2% 5.7% 12.8% 11.4% 5.9%
Market Share-Deposits 20.5% 8.5% 29.2% 19.9% 2.9% 3.4% 0.9% 1.4% 0.1% 6.1% 1.2% 1.3% 2.2% 1.5% 1.1% 100.0%
Market Share-Loans 15.7% 7.7% 25.6% 20.5% 4.5% 5.2% 0.6% 2.1% 0.1% 7.8% 1.4% 2.3% 2.5% 1.3% 2.5% 100.0%
ASSETS QUALITY CALIDAD DE ACTIVOS
Doubtful & PD Loans/Gross Loans 6.8% 10.9% 9.4% 12.5% 6.2% 2.7% 9.9% 0.7% 0.0% 9.7% 11.0% 3.8% 8.3% 58.8% 56.9% 11.7%
Doubt.+ Refinanc Loans/Gross Loans 13.1% 25.6% 17.2% 20.7% 11.7% 4.6% 12.1% 0.7% 0.0% 21.1% 24.1% 17.0% 41.0% 61.8% 64.2% 20.3%
Loan Loss Rsve/Doubt & Refincd. 68.6% 48.6% 61.0% 64.4% 53.6% 103.7% 81.9% 285.4% #DIV/0! 45.9% 58.9% 47.2% 18.5% 60.2% 51.8% 57.0%
Loan Loss Reserve/Gross Loans 9.0% 12.4% 10.5% 13.3% 6.3% 4.8% 9.9% 2.0% 1.5% 9.7% 14.2% 8.0% 7.6% 37.2% 33.3% 11.6%
Loan Loss Rsve/Net Loans 10.0% 14.6% 11.9% 15.6% 7.0% 5.0% 11.1% 2.1% 1.5% 11.6% 18.5% 9.1% 8.9% 66.9% 53.9% 13.4%
Earning Assets - Expensive Liabilities $ 43,927 $ (223,165) $ 57,735 $ (284,504) $ (40,883) $ 77,715 $ 14,437 $ 26,679 $ 8,129 $ (97,349) $ (25,384) $ (23,518) $ (81,352) $ (178,190) $ (218,708) $ (944,429)
Net Earning Assets/ Total Assets 1.4% (14.8%) 1.2% (7.1%) (6.2%) 9.5% 9.7% 8.6% 26.2% (7.1%) (12.1%) (7.6%) (17.3%) (75.2%) (49.5%) (5.1%)
Gross Loans/Total Deposits 62.7% 77.6% 73.2% 89.0% 130.0% 120.4% 60.5% 116.2% 136.0% 113.9% 112.6% 144.6% 98.0% 116.0% 272.5% 85.6%
Fixed Assets/Capital Funds 27.9% 87.4% 31.3% 51.1% 43.6% 14.4% 29.1% 5.9% 6.4% 48.6% 70.5% 60.7% 34.3% (25.0%) (52.0%) 46.9%
(*) Total Deposits includes: Demand Deposits, Savings, Time Deposits (plus FgnAhorros, Plazo (CTS, Certificados Bancarios) y Depósitos en Garantía
(*) Total Depositos: Incluye Dep. a la Vista, Cy. CD´s & 3rd. Parties Severance Indemnities) and Pledged Deposits
LIQUIDITY LIQUIDEZ
Quick Assets/ Total Deposits 50.9% 45.3% 44.0% 52.6% 36.9% 61.9% 63.1% 48.6% 162.9% 56.4% 25.7% 31.2% 50.6% 27.4% 81.5% 48.7%
Borrowed Funds/ Gross Loans (**) 7.2% 27.1% 7.9% 41.4% 44.7% 46.8% 4.2% 40.7% 78.7% 44.9% 17.1% 40.9% 30.2% 48.8% 80.1% 28.1%
Demand Deposits/ Total Deposits 13.9% 10.1% 19.9% 14.1% 9.4% 35.2% 15.9% 9.5% 56.2% 18.5% 10.0% 16.1% 4.8% 7.2% 3.9% 15.8%
Loans From Banks/ Total Deposits 4.5% 16.1% 2.4% 32.1% 37.7% 56.4% 2.6% 47.3% 107.0% 12.2% 8.0% 48.8% 25.4% 47.1% 180.8% 17.8%
Loans From Banks/ Gross Loans 7.2% 20.7% 3.3% 36.0% 29.0% 46.8% 4.2% 40.7% 78.7% 10.7% 7.1% 33.8% 25.9% 40.6% 66.4% 20.8%
Due From Banks/ Total Assets 1.6% 1.5% 0.7% 0.4% 0.7% 0.0% 1.8% 0.0% 0.0% 0.5% 4.5% 2.0% 3.2% 0.0% 0.0% 0.9%
Due From Banks/ Due to Banks 5933.3% 0.0% 217.1% 111.1% 0.0% 0.0% 96.3% 0.0% 0.0% 90.8% 0.0% 0.0% 20371.1% 0.0% 0.0% 170.8%
(**) Borrowed Funds includes: Call Loans owed, Financiera incluye: Interbancarias Recibidas, Depósitos (placements), financiamientos Adeudado a Bancos y Valores en Circulación. loans & WK
(**) Deuda Deposits from Banks (placements), Loans and other financing received from domestic/ foreign banks & Bonds/bills issued to finance
CAPITALIZATION CAPITALIZACION
Capital Funds/Total Assets 8.8% 6.9% 11.3% 9.0% 7.6% 13.8% 19.3% 9.0% 31.8% 9.3% 9.1% 9.3% 13.8% (36.3%) (16.7%) 8.6%
Capital Funds/Risk Assets(***) 15.6% 10.4% 17.6% 13.6% 9.7% 20.6% 36.6% 12.6% 67.3% 13.9% 11.2% 11.3% 20.0% (46.8%) (22.7%) 13.2%
Capital Funds/Gross Loans 16.4% 12.1% 19.0% 15.6% 10.3% 21.3% 42.4% 13.1% 72.4% 14.1% 11.2% 11.4% 22.8% (38.2%) (18.9%) 14.1%
Caìtal Funds/Total Deposits 10.3% 9.4% 13.9% 13.9% 13.4% 25.6% 25.6% 15.2% 98.5% 16.1% 12.6% 16.5% 22.4% (44.3%) (51.6%) 12.1%
Risk Weighted Ratio 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(***) Risk Assets = Total Assets less Quick Assetsen Riesgo: equivale a Total de Activos - Fondos Disponibles
(***) Activos
Jorge Romani Page 3
Ph +51(1) 919-8252 romani@terra.com.pe 1/30/2011 SFN-1201-BNM+NBK $SFN1201