This document shows the earning assets and expensive liabilities of commercial banks in Peru as of December 31, 2001. It lists the quick assets, loans, investments, deposits, borrowed funds, and net earning assets of 14 major banks in Peru including Continental, Interbank, Credicorp, Wiese, Sudamerica, Citibank, Standard Chartered, Boston, BNP, BSCH, Comer, BIF, Financiera, and NBK. The net earning assets as a percentage of total assets is also provided for each bank, with NBK having the lowest at -75.2% and Wiese the highest at 9.7%.

1. EARNING ASSETS vs. PERU December 31, 2001
EXPENSIVE LIABILITIES SHEET US $000
Commercial Banking System
EARNING ASSETS CONTNT INTBNK CRDTO WIESE SUDAM CITIBANK STDCHT BOSTON BNP BSCH COMER BIF FINAN LATINO NBK NVOMDO TOTAL
QUICK ASSETS 869,535 215,498 1,397,501 653,724 103,644 217,934 49,186 63,294 14,305 274,825 29,867 53,321 59,031 - 52,896 102,809 4,157,371
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
LOANS 1,446,247 624,624 2,285,303 1,810,047 410,934 504,963 59,159 207,932 13,586 653,264 113,792 201,136 147,121 - 69,655 120,005 8,667,768
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 + Promisory Notes 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 Bills 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 Loans + Leasings 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
Interest & Commission-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)
INVESTMENTS 535,694 285,923 419,537 822,634 35,179 43,930 20,924 24,961 1,010 176,937 11,601 13 87,211 - 3,041 13,760 2,482,357
Marketable Securities 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
Investments 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
TOTAL EARNING ASSETS 2,851,476 1,126,046 4,102,341 3,286,406 549,757 766,827 129,269 296,187 28,901 1,105,026 155,260 254,470 293,363 - 125,593 236,574 15,307,496
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 in 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 from 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
EXPENSIVE LIABILITIES 2,807,549 1,349,211 4,044,605 3,570,909 590,640 689,111 114,832 269,508 20,772 1,202,375 180,644 277,988 374,715 - 303,783 455,282 16,251,926
NET EARNING ASSETS 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)
N.E.A./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%) 0.0% (75.2%) (49.5%) (5.1%)
TASA DE CAMBIO (S/. 1 x US$) $ 0.290
PCC=[PASIVOS CON COSTO]PRODUCTIVO]
ACT.NO-PROD= [ACTIVO NO EL= EXPENSIVE LIABILITIES
APN= [ACTIVO PRODUCTIVO NETO] NEA= NET EARNING ASSETS
Source: Superintendencia de Banca y Seguros del Peru
Jorge Romani Page 1
Ph: +51(1) 919-8252 romani@terra.com.pe 1/30/2011 SFN-1201-BNM+NBK EARNING ASSETS1201