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Fuente: Superintendencia de Banca y Seguros                                                  P E R U - BANCO DEL NUEVO MUNDO                                                                                                  US $000



                                                                                                                                                                                                                Solución
        BALANCE GENERAL                               Dec-96       Dec-97       Dec-98       Dec-99       Mar-00         Jun-00       Sep-00      Nov-00       Dec-00       Mar-01     Jun-01      Jul-01       7/31/2001


        FONDOS DISPONIBLES                             101,133       139,925     131,501       76,452      121,242        115,221       96,635      93,430       93,695      93,589     98,003       99,739         99,739
        Caja + Banco Central                            80,748         7,432      11,747       20,060       15,425         14,597       18,696       6,561        6,580       6,573        616          830            830
        Otras Instituciones Financieras                  6,153       111,310      87,165       47,192       92,690         85,942       52,293      68,891       69,086      69,008     83,771       85,241         85,241
        Canje                                              246         5,862       5,408        1,212        3,882          6,401        9,626       4,356        4,368       4,363          -            -              -
        Inversiones Financieras C/P                     13,985        15,321      27,181        7,988        9,245          8,281       16,020      13,622       13,661      13,645     13,616       13,669         13,669

        COLOCACIONES                                   216,711       320,331     345,354      471,472      473,080        516,972      516,577     463,430      464,747     419,153    249,171     247,076         310,376
        Interbancarias Otorgadas                         4,462         1,188           -        2,874        2,907          6,292       11,490           -            -           -          -           -               -
        Sobregiros + Avances Cta.Cte                    25,860        26,945      26,064       25,567       24,256         30,436       24,752      28,765       28,847      28,814      4,518           -               -
        Descuentos + Préstamos                         173,092       245,037     183,027      258,923      239,274        233,374      222,648     188,606      189,142     188,927     54,209     140,270         203,570
        Créditos Hipotecarios                                -             -      29,424       27,528       27,174         24,405       21,519      20,532       20,590      20,567     10,037           -               -
        Otras Colocaciones + Leasing                    17,137        40,763      98,869      153,872      169,030        201,150      205,119     189,227      189,764     189,549     95,297       6,373           6,373
        Créditos Refinanciados + CxL                      2,859        6,243        8,396        9,286      15,244          21,280      21,795       27,276       27,353     27,322      31,285      25,157         25,157
        Créd.Vcdo.+ Jud.(Cartera Atrasada)                4,737        8,046       11,969       17,857      20,809          31,584      39,082       37,914       38,022     37,979     186,997     185,246        185,246
         - Provisión Riesgos Incobrabilidad              (5,601)      (7,891)     (12,395)     (24,435)    (25,613)        (31,550)    (29,828)     (28,889)     (28,971)   (28,938)   (110,813)   (109,971)      (109,971)
         -Ints. + Comisiones no devengadas               (5,835)           -            -            -           -               -           -            -            -    (45,066)    (22,357)          -              -

        Ints., Comisiones + Otros x Cobrar               9,620             -           -            -            -              -            -           -            -      59,372     19,925       15,739         15,739
        Bienes Adjudicados                                 761           256       3,335        3,069        5,083          3,838        3,465       4,177        4,189       4,184      2,670        2,732          2,732
        Inversiones Permanentes                              3             2           0            -            -              -            -           -            -           -          -            -              -
        Activo Fijo Neto                                20,247        26,936      27,142       47,789       48,248         44,696       45,292      44,736       44,863      44,812     38,826       38,596         38,596
                                                             -             -           -            -            -              -            -           -            -           -          -            -              -
        Otros Activos                                    9,618        21,176      30,443      119,012      134,248        138,518      131,676     139,284      139,680      33,470     42,110       36,864         50,493

        TOTAL ACTIVOS                                  358,092       508,626     537,776      717,794      781,901        819,244      793,644     745,057      747,174     654,579    450,706     440,748         517,676

        DEPOSITOS                                      208,228       290,132     257,504      264,678      309,341        337,759      312,311     254,176      254,898     260,703    143,034     148,867          85,551
        Vista                                           19,548        26,805      17,326       21,853       20,930         21,130       23,361      16,745       16,793      16,797      6,324      18,752               -
        Ahorros                                         26,994        34,998      26,874       41,451       47,779         50,281       43,735      29,279       29,362      29,329     10,207       9,940               -
        Plazo (Incl. CTS + CBME)                       149,334       220,959     193,393      191,352      213,144        229,670      226,850     183,247      183,768     183,559    102,165     103,330          68,707
        En Garantía                                      4,263             -           -            -            -              -            -           -            -       5,703     11,531           -               -
        Otros Depósitos                                  8,089         7,371      19,911       10,022       27,488         36,677       18,366      24,905       24,975      25,316     12,807      16,844          16,844

        FINANCIAMIENTO UTILIZADO                       111,293       159,532     206,634      318,322      323,092        311,191      304,000     302,062      300,852     302,577    311,044     308,195         308,195
          - Interbancarias Recibidas                         -             -           -            -            -              -            -         850          852         851          1           -               -
          - Préstamos + Financ.Otros Bancos             91,107       159,532     206,634      318,322      323,092        311,191      304,000     247,212      247,213     247,633    258,054     254,789         254,789
          - Bonos y Valores adeudados                   20,187             -           -            -            -              -            -      54,000       52,787      54,092     52,990      53,406          53,406
        Ints.+ Comisiones Devengadas                     2,214             -           -            -            -              -            -       7,113        8,147       7,125     17,830       14,189         14,189
        Otros Pasivos                                    2,376        12,006      25,607       59,501       72,333         96,656       96,389     100,107      101,446      10,911     36,734       29,832         29,832
        Provisiones & Beneficios Sociales                3,388         8,484       7,910        8,324        9,364          7,965        8,362       9,320        9,346         861      2,690        2,980          2,980

        TOTAL PASIVO                                   327,500       470,154     497,655      650,826      714,130        753,570      721,063     672,777      674,689     582,177    511,331     504,063         440,748

        PATRIMONIO NETO                                 30,592        38,472      40,121       66,969       67,771         65,674       72,581      72,280       72,485      72,403     (60,625)    (63,316)        76,929
        Capital Social                                  24,046        29,632      34,026       35,661       34,476         47,309       47,915      52,735       52,884      52,824      53,147           -              -
        Capital Adicional                                    -             -           -       11,036       13,143              -        5,011           -            -           -           -           -         63,300
        Reservas                                           458         1,073       1,713       15,413       18,753         16,145       17,123      17,061       17,110      17,090      17,195           -              -
                                                             -             -           -            -            -              -            -           -            -           -           -           -              -
        Resultados Acumulados                                -             -           -         (378)           -              -            -           -            -       2,488     (93,802)    (23,061)             -
        Utilidad/ (Pérdida) del Ejercicio                6,087         7,768       4,382        5,237        1,399          2,219        2,531       2,484        2,491           -     (37,164)    (40,254)        13,629

        TOTAL PASIVO Y PATRIM.                         358,092       508,626     537,776      717,794      781,901        819,244      793,644     745,057      747,174     654,579    450,706     440,748         517,676



        TOTAL CONTINGENCIAS                            114,372       135,772     132,266      168,461      177,892        189,717      179,487     170,608      171,093     170,515    563,749       17,875         17,875
        Derivados Financieros (desde mar 2001)          35,198             -           -            -            -              -            -           -            -      41,585      5,722            -              -
        Créditos Contingentes                           43,008       135,772     132,266      168,461      177,892        189,717      179,487     170,608      171,093     128,930    558,027       17,875         17,875
        Cartas Crédito + Otras Cntg. (hasta 3/2001)     36,165             -           -            -            -              -            -           -            -           -          -            -              -
        TASA DE CAMBIO (S/. 1 x US$)                    $0.385        $0.368      $0.319       $0.287       $0.291         $0.287       $0.287      $0.283       $0.284      $0.284     $0.285       $0.287         $0.287

Strike Value S.A.                                                                                                                                                                                                              Page 1
Ph +51(1) 919-8252 romani@terra.com.pe                                                                       1/29/2011                                                                                      Bnm-95-01 NvoMundo-Solving
Fuente: Superintendencia de Banca y Seguros                                             P E R U - BANCO DEL NUEVO MUNDO                                                                                                    US $000




                                                                                                                                                                                                             Solución
        PERDIDAS Y GANANCIAS                     Dec-96       Dec-97       Dec-98       Dec-99       Mar-00         Jun-00       Sep-00       Nov-00       Dec-00       Mar-01       Jun-01     Jul-01       7/31/2001


        INGRESOS FINANCIEROS                       46,317        61,330      67,856       93,664       22,299         45,100       67,798       83,506       83,372              -    21,334      23,729         23,729
        Ints.+Comisiones/ Colocaciones             31,388        44,415      49,834       76,930       18,293         37,137       55,470       68,637       68,832              -    18,638      20,725         20,725
        Ints.+Comisiones/ Institut.Financieras      3,997         4,220       3,950        3,376        1,058          2,365        3,614        4,226        4,238              -     1,511       1,754          1,754
        Ints./ Interbancarias Otorgadas                90            97         145          278           17            133          213          261          262              -         7           7              7
        Comm x Créditos Contingentes                6,635         8,077       7,263        7,075        1,710          3,295        5,212        6,431        6,449              -       506         540            540
        Comm x Fideicomisos & Adm.                      -             -           -            -           50             80          182          214          215              -        93         118            118
        Ganancia en Cambio                          2,137         2,313       2,942        3,739        1,058          1,760        2,412        2,804        2,812              -       401         402            402
        Renta de Valores en Cartera                 2,070         2,179       3,673        2,175          103            289          630          849          480              -       121         121            121
        Otros Ingresos Financieros                      2            29          50           91           10             41           65           85           85              -        58          62             62

        GASTOS FINANCIEROS                         (25,950)     (31,284)     (35,119)     (53,106)    (14,013)        (27,851)    (42,647)      (50,981)     (50,754)            -   (18,579)    (21,300)       (21,300)
        Ints./ Depósitos                           (18,889)     (20,336)     (19,573)     (24,970)     (6,415)        (13,128)    (20,311)      (24,070)     (24,138)            -    (4,882)     (5,630)        (5,630)
        Ints.+Coms./ Financiamiento Utilizado       (6,722)     (10,747)     (15,401)     (26,118)     (7,374)        (14,240)    (21,541)      (25,905)     (25,607)            -   (12,695)    (14,832)       (14,832)
        Pérdidas en Cambio                              (3)           -           (6)      (1,324)        (28)            (41)        (92)          (99)        (100)            -         -           -              -
        Depósitos Reajustables                           -            -            -            -           -               -           -             -            -             -         -           -              -
        Fdo.Seg.Dep.+ Otros                           (337)        (201)        (139)        (695)       (196)           (442)       (702)         (907)        (909)            -    (1,002)       (838)          (838)

        RESULTADO FINANCIERO                       20,368        30,046      32,737       40,558        8,286         17,249       25,151       32,525       32,618              -     2,755       2,429          2,429

        PROVISION COLOCACIONES                      (3,320)      (3,862)     (10,004)      (7,057)            (6)      (1,138)      (3,976)      (4,976)      (4,990)            -   (22,050)    (21,722)       (21,722)
        - Provisión/ Créditos Directos              (3,320)      (3,862)     (10,004)      (7,057)            (6)      (1,138)      (3,976)      (4,976)      (4,990)            -   (22,050)    (21,722)       (21,722)

        RESULT. FINANC NETO                        17,048        26,184      22,733       33,501        8,280         16,111       21,174       27,550       27,628              -   (19,295)    (19,293)       (19,293)

        OTROS INGRESOS                             11,296         6,211       7,778       18,854        5,456         15,196       19,697       20,417       20,475              -       725        781             781

        OTROS GASTOS                               (18,786)     (21,264)     (25,560)     (47,275)    (12,351)        (29,011)    (38,103)      (45,066)     (45,194)            -   (17,388)    (19,507)       (19,507)
        Gastos de Personal + Directorio             (5,710)      (8,607)      (9,920)     (14,323)     (2,891)         (6,441)    (10,180)      (12,756)     (12,792)            -    (5,977)     (6,896)        (6,896)
        Gastos Generales                            (5,528)      (8,356)     (10,905)     (17,327)     (6,375)        (11,199)    (14,151)      (16,917)     (16,965)            -    (8,683)    (10,168)       (10,168)
        Depreciación + Amortización                 (1,066)      (1,756)      (2,673)      (4,830)     (2,119)         (4,083)     (5,879)       (7,045)      (7,065)            -    (2,099)     (2,443)        (2,443)
        Otros Gastos                                (6,483)      (2,545)      (2,063)     (10,796)       (965)         (7,289)     (7,893)       (8,349)      (8,372)            -      (629)          -              -

        UTIL.ANTES IMPTO RENTA                       9,558       11,131       4,950        5,080        1,385          2,297        2,769        2,900        2,908              -   (35,959)    (38,018)       (38,018)
        Impuesto a la Renta                         (2,771)      (2,758)          -            -            -              -            -            -            -              -         -           -              -
        Resultado x Exposición Inflación-REI          (699)        (604)       (568)         157           13            (77)        (238)        (416)        (417)             -        46        (984)          (984)
        Ingr./(Cargas) Extraordinarias                   -            -           -            -            -              -            -            -            -              -    (1,251)     (1,252)        11,538

        UTIL/PDDA NETA                              6,087         7,768       4,382        5,237        1,399          2,219        2,531        2,484        2,491              -   (37,164)    (40,254)       (27,463)

        UTIL/PDDA NETA (-) REI                      6,087         7,768       4,382        5,080        1,385          2,219        2,531        2,484        2,491              -   (37,210)    (40,254)       (27,463)




Strike Value S.A.                                                                                                                                                                                                           Page 2
Ph +51(1) 919-8252 romani@terra.com.pe                                                                  1/29/2011                                                                                        Bnm-95-01 NvoMundo-Solving
Fuente: Superintendencia de Banca y Seguros                                                        P E R U - BANCO DEL NUEVO MUNDO                                                                                                               US $000




                                                                                                                                                                                                                                   Solución
        ANALISIS FINANCIERO                            Dec-96        Dec-97          Dec-98         Dec-99          Mar-00          Jun-00        Sep-00         Nov-00           Dec-00       Mar-01     Jun-01      Jul-01       7/31/2001


                                                                                                         ESTRUCTURA PORCENTUAL
        Fondos Disponibles/ Activos                        28.2%          27.5%           24.5%          10.7%          15.5%          14.1%          12.2%          12.5%            12.5%      14.3%       21.7%        22.6%         19.3%
        Invers.Financ.C/P/ Activos                          3.9%           3.0%            5.1%           1.1%           1.2%           1.0%           2.0%           1.8%             1.8%       2.1%        3.0%         3.1%          2.6%
        Colocaciones Netas/ Activos                        60.5%          63.0%           64.2%          65.7%          60.5%          63.1%          65.1%          62.2%            62.2%      64.0%       55.3%        56.1%         60.0%
        Colocaciones Brutas/ Activos                       63.7%          64.5%           66.5%          69.1%          63.8%          67.0%          68.8%          66.1%            66.1%      75.3%       84.8%        81.0%         81.2%
        Sobreg. + Av.Cta./ Coloc.Brutas                    11.3%           8.2%            7.3%           5.2%           4.9%           5.5%           4.5%           5.8%             5.8%       5.8%        1.2%         0.0%          0.0%
        Desc.+Préstamos/ Coloc.Brutas                      75.9%          74.7%           51.2%          52.2%          48.0%          42.5%          40.7%          38.3%            38.3%      38.3%       14.2%        39.3%         48.4%
        Activo Fijo/ Activos                                5.7%           5.3%            5.0%           6.7%           6.2%           5.5%           5.7%           6.0%             6.0%       6.8%        8.6%         8.8%          7.5%
        Depósitos/ (Pasivo + Patrim)                       58.1%          57.0%           47.9%          36.9%          39.6%          41.2%          39.4%          34.1%            34.1%      39.8%       31.7%        33.8%         16.5%
        Ahorros/ Depósitos                                 13.0%          12.1%           10.4%          15.7%          15.4%          14.9%          14.0%          11.5%            11.5%      11.2%        7.1%         6.7%          0.0%
        Depósitos Plazo/ Depósitos                         71.7%          76.2%           75.1%          72.3%          68.9%          68.0%          72.6%          72.1%            72.1%      70.4%       71.4%        69.4%         80.3%
        Financ.Utilizado/ Pasivo + Patrimonio              31.1%          31.4%           38.4%          44.3%          41.3%          38.0%          38.3%          40.5%            40.3%      46.2%       69.0%        69.9%         59.5%
        Valores en Circulac/ Pasivos + Patrim.              5.6%           0.0%            0.0%           0.0%           0.0%           0.0%           0.0%           7.2%             7.1%       8.3%       11.8%        12.1%         10.3%
        Patrim.Neto/ Pasivos + Patrim.Neto                  8.5%           7.6%            7.5%           9.3%           8.7%           8.0%           9.1%           9.7%             9.7%      11.1%     (13.5%)      (14.4%)         14.9%

                                                                                              COEFICIENTES OPERATIVOS Y DE RENTABILIDAD
        Retorno Patrimonial (ROE)                          19.9%          20.2%          10.9%            7.6%           2.0%           3.4%           3.5%           3.4%            3.4%        0.0%       61.4%        63.6%       (35.7%)
        Retorno sobre Activos (ROA)                          1.7%          1.5%            0.8%            0.7%           0.2%           0.3%           0.3%          0.3%            0.3%        0.0%      (8.3%)       (9.1%)        (5.3%)
        Utilidad.(Pérdida)/ TotalDepósitos                  2.9%           2.7%           1.7%            1.9%           0.4%           0.7%           0.8%           1.0%            1.0%        0.0%     (26.0%)      (27.0%)       (32.1%)
        Ingr.Financieros/ Activos Rentables                  1.9%           1.7%           0.9%            1.0%           0.2%           0.4%          0.4%           0.5%            0.5%        0.0%     (15.5%)      (16.3%)        (8.9%)
        Retorno s/ Activos en Riesgo RORA                    2.4%           2.1%           1.1%            0.8%           0.2%           0.3%          0.4%           0.4%            0.4%        0.0%     (10.5%)      (11.8%)        (6.6%)
        Activos en Riesgo (US$ MM)                          $257           $369           $406            $641           $661           $704           $697          $652            $653        $561        $353         $341          $418
        Costo Operat./ Rsltdo.Financ.Neto                  72.2%          71.5%         103.4%          108.9%         137.5%         134.8%         142.7%         133.3%          133.3%      #DIV/0!    (86.9%)     (101.1%)      (101.1%)
        Costo Operativo/ TotalActivos                        3.4%           3.7%           4.4%            5.1%           1.5%           2.7%           3.8%          4.9%            4.9%        0.0%        3.7%         4.4%          3.8%
        Gtos.Personal/ TotalDepósitos                        2.7%           3.0%           3.9%            5.4%           0.9%           1.9%           3.3%          5.0%            5.0%        0.0%        4.2%         4.6%          8.1%
        Gtos.Personal/ TotalActivos                          1.6%           1.7%           1.8%            2.0%           0.4%           0.8%           1.3%          1.7%            1.7%        0.0%        1.3%         1.6%          1.3%
        Costo Operativo/ Activo Rentable                     3.9%           4.2%           5.1%            6.7%           2.0%           3.6%          5.3%           7.1%            7.1%        0.0%        7.0%         7.9%          6.3%

                                                                                                               CALIDAD DE ACTIVOS
        CarteraAtrasada/ Colocaciones Brutas               2.1%            2.5%          3.3%             3.6%          4.2%           5.8%            7.2%            7.7%             7.7%        7.7%      48.9%        51.9%         44.1%
        Cart.Atrasada + Refinanc/ Coloc.Brutas             3.3%            4.4%          5.7%             5.5%          7.2%           9.6%          11.1%           13.2%            13.2%        13.2%      57.1%        58.9%         50.1%
        Prov.Incobrab./ Cart.Atrasada + Rfncd.            73.7%          55.2%          60.9%           90.0%         71.0%          59.7%           49.0%           44.3%            44.3%        44.3%      50.8%        52.3%         52.3%
        Prov.Incobrab./ Colocaciones Brutas                2.5%            2.4%          3.5%             4.9%          5.1%           5.8%            5.5%            5.9%             5.9%        5.9%      29.0%        30.8%         26.2%
        Prov.Incobrab./ Colocaciones Netas                 2.6%            2.5%          3.6%             5.2%          5.4%           6.1%            5.8%            6.2%             6.2%        6.9%      44.5%        44.5%         35.4%
        Activos Rentables-Pasivos Costosos                 $346        ($1,667)         ($660)      ($38,997)      ($52,433)      ($44,473)       ($43,773)       ($40,035)        ($38,080)   ($85,561) ($202,841)   ($210,679)     ($84,063)
        Activo Rentable Neto/ Total Activos                0.1%          (0.3%)        (0.1%)           (5.4%)        (6.7%)         (5.4%)          (5.5%)          (5.4%)           (5.1%)     (13.1%)    (45.0%)      (47.8%)       (16.2%)
        Colocaciones Brutas/ TotalDepósitos             109.6%          113.1%        138.9%           187.4%        161.2%         162.4%          175.0%          193.7%           193.7%      189.2%     267.3%       239.8%        491.3%
        ActivoFijo/ Patrimonio                            66.2%          70.0%          67.7%           71.4%         71.2%          68.1%           62.4%           61.9%            61.9%        61.9%    (64.0%)      (61.0%)         50.2%
        (*) Depósitos = Excluye Depósitos de Bancos y Entidades Financieras (Placements) por ser consideradas operaciones activas en el ámbito internacional

                                                                                                                      LIQUIDEZ
        ActivoLíquido/ TotalDepósitos                        48.6%           48.2%        51.1%          28.9%          39.2%           34.1%         30.9%           36.8%           36.8%      35.9%       68.5%       67.0%         116.6%
        Fncmto.Utilizado/ Colocac.Brutas (**)                48.8%           48.6%        57.8%          64.2%          64.8%           56.7%         55.6%           61.4%           60.9%      61.4%       81.4%       86.3%          73.3%
        DepósitosVista/ TotalDepósitos                        9.4%            9.2%         6.7%           8.3%            6.8%           6.3%          7.5%            6.6%            6.6%       6.4%        4.4%       12.6%           0.0%
        Interbanc.Recib./ TotalDepósitos                     43.8%           55.0%        80.2%         120.3%         104.4%           92.1%         97.3%           97.6%           97.3%      95.3%      180.4%      171.2%         297.8%
        Interbanc.Recib./ TotalColocaciones                  39.9%           48.6%        57.8%          64.2%          64.8%           56.7%         55.6%           50.4%           50.2%      50.4%       67.5%       71.4%          60.6%
        Interbanc.Otorg./ TotalActivos                        1.2%            0.2%         0.0%           0.4%            0.4%           0.8%          1.4%            0.0%            0.0%       0.0%        0.0%        0.0%           0.0%
        Costo Financiero/ Financiamiento Utilizado            6.0%            6.7%         7.5%           8.2%            2.3%           4.6%          7.1%            8.6%            8.5%       0.0%        4.1%        4.8%           4.8%
        (**)Financiamiento Utilizado incluye: Interbancarias, Depósitos de Bancos (Placements), Préstamos y Otros Financiamientos recibidos de bancos y/o entidades financieras
                                                                                                                  CAPITALIZACION
        Patrimonio/ Total Activos                             8.5%         7.6%            7.5%           9.3%           8.7%           8.0%           9.1%           9.7%             9.7%      11.1%     (13.5%)      (14.4%)         14.9%
        Patrimonio/ Activos en Riesgo                        11.9%        10.4%            9.9%          10.4%          10.3%           9.3%          10.4%          11.1%            11.1%      12.9%     (17.2%)      (18.6%)         18.4%
        Patrimonio/ Colocaciones Brutas                      13.4%        11.7%           11.2%          13.5%          13.6%          12.0%          13.3%          14.7%            14.7%      14.7%     (15.9%)      (17.7%)         18.3%
        Patrimonio/ TotalDepósitos                           14.7%        13.3%           15.6%          25.3%          21.9%          19.4%          23.2%          28.4%            28.4%      27.8%     (42.4%)      (42.5%)         89.9%
        Activos + Cred.Contg.x Riesgo                        10.87         7.60           10.80           0.00          10.80          10.80           0.00          10.80            10.80       0.00        0.00         0.00          0.00
        (***) Activos en Riesgo = Total Activos - Disponible



Strike Value S.A.                                                                                                                                                                                                                                 Page 3
Ph +51(1) 919-8252 romani@terra.com.pe                                                                                  1/29/2011                                                                                              Bnm-95-01 NvoMundo-Solving

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Impacto de solucion financiera propuesta por accionistas del Banco Nuevo Mundo

  • 1. Fuente: Superintendencia de Banca y Seguros P E R U - BANCO DEL NUEVO MUNDO US $000 Solución BALANCE GENERAL Dec-96 Dec-97 Dec-98 Dec-99 Mar-00 Jun-00 Sep-00 Nov-00 Dec-00 Mar-01 Jun-01 Jul-01 7/31/2001 FONDOS DISPONIBLES 101,133 139,925 131,501 76,452 121,242 115,221 96,635 93,430 93,695 93,589 98,003 99,739 99,739 Caja + Banco Central 80,748 7,432 11,747 20,060 15,425 14,597 18,696 6,561 6,580 6,573 616 830 830 Otras Instituciones Financieras 6,153 111,310 87,165 47,192 92,690 85,942 52,293 68,891 69,086 69,008 83,771 85,241 85,241 Canje 246 5,862 5,408 1,212 3,882 6,401 9,626 4,356 4,368 4,363 - - - Inversiones Financieras C/P 13,985 15,321 27,181 7,988 9,245 8,281 16,020 13,622 13,661 13,645 13,616 13,669 13,669 COLOCACIONES 216,711 320,331 345,354 471,472 473,080 516,972 516,577 463,430 464,747 419,153 249,171 247,076 310,376 Interbancarias Otorgadas 4,462 1,188 - 2,874 2,907 6,292 11,490 - - - - - - Sobregiros + Avances Cta.Cte 25,860 26,945 26,064 25,567 24,256 30,436 24,752 28,765 28,847 28,814 4,518 - - Descuentos + Préstamos 173,092 245,037 183,027 258,923 239,274 233,374 222,648 188,606 189,142 188,927 54,209 140,270 203,570 Créditos Hipotecarios - - 29,424 27,528 27,174 24,405 21,519 20,532 20,590 20,567 10,037 - - Otras Colocaciones + Leasing 17,137 40,763 98,869 153,872 169,030 201,150 205,119 189,227 189,764 189,549 95,297 6,373 6,373 Créditos Refinanciados + CxL 2,859 6,243 8,396 9,286 15,244 21,280 21,795 27,276 27,353 27,322 31,285 25,157 25,157 Créd.Vcdo.+ Jud.(Cartera Atrasada) 4,737 8,046 11,969 17,857 20,809 31,584 39,082 37,914 38,022 37,979 186,997 185,246 185,246 - Provisión Riesgos Incobrabilidad (5,601) (7,891) (12,395) (24,435) (25,613) (31,550) (29,828) (28,889) (28,971) (28,938) (110,813) (109,971) (109,971) -Ints. + Comisiones no devengadas (5,835) - - - - - - - - (45,066) (22,357) - - Ints., Comisiones + Otros x Cobrar 9,620 - - - - - - - - 59,372 19,925 15,739 15,739 Bienes Adjudicados 761 256 3,335 3,069 5,083 3,838 3,465 4,177 4,189 4,184 2,670 2,732 2,732 Inversiones Permanentes 3 2 0 - - - - - - - - - - Activo Fijo Neto 20,247 26,936 27,142 47,789 48,248 44,696 45,292 44,736 44,863 44,812 38,826 38,596 38,596 - - - - - - - - - - - - - Otros Activos 9,618 21,176 30,443 119,012 134,248 138,518 131,676 139,284 139,680 33,470 42,110 36,864 50,493 TOTAL ACTIVOS 358,092 508,626 537,776 717,794 781,901 819,244 793,644 745,057 747,174 654,579 450,706 440,748 517,676 DEPOSITOS 208,228 290,132 257,504 264,678 309,341 337,759 312,311 254,176 254,898 260,703 143,034 148,867 85,551 Vista 19,548 26,805 17,326 21,853 20,930 21,130 23,361 16,745 16,793 16,797 6,324 18,752 - Ahorros 26,994 34,998 26,874 41,451 47,779 50,281 43,735 29,279 29,362 29,329 10,207 9,940 - Plazo (Incl. CTS + CBME) 149,334 220,959 193,393 191,352 213,144 229,670 226,850 183,247 183,768 183,559 102,165 103,330 68,707 En Garantía 4,263 - - - - - - - - 5,703 11,531 - - Otros Depósitos 8,089 7,371 19,911 10,022 27,488 36,677 18,366 24,905 24,975 25,316 12,807 16,844 16,844 FINANCIAMIENTO UTILIZADO 111,293 159,532 206,634 318,322 323,092 311,191 304,000 302,062 300,852 302,577 311,044 308,195 308,195 - Interbancarias Recibidas - - - - - - - 850 852 851 1 - - - Préstamos + Financ.Otros Bancos 91,107 159,532 206,634 318,322 323,092 311,191 304,000 247,212 247,213 247,633 258,054 254,789 254,789 - Bonos y Valores adeudados 20,187 - - - - - - 54,000 52,787 54,092 52,990 53,406 53,406 Ints.+ Comisiones Devengadas 2,214 - - - - - - 7,113 8,147 7,125 17,830 14,189 14,189 Otros Pasivos 2,376 12,006 25,607 59,501 72,333 96,656 96,389 100,107 101,446 10,911 36,734 29,832 29,832 Provisiones & Beneficios Sociales 3,388 8,484 7,910 8,324 9,364 7,965 8,362 9,320 9,346 861 2,690 2,980 2,980 TOTAL PASIVO 327,500 470,154 497,655 650,826 714,130 753,570 721,063 672,777 674,689 582,177 511,331 504,063 440,748 PATRIMONIO NETO 30,592 38,472 40,121 66,969 67,771 65,674 72,581 72,280 72,485 72,403 (60,625) (63,316) 76,929 Capital Social 24,046 29,632 34,026 35,661 34,476 47,309 47,915 52,735 52,884 52,824 53,147 - - Capital Adicional - - - 11,036 13,143 - 5,011 - - - - - 63,300 Reservas 458 1,073 1,713 15,413 18,753 16,145 17,123 17,061 17,110 17,090 17,195 - - - - - - - - - - - - - - - Resultados Acumulados - - - (378) - - - - - 2,488 (93,802) (23,061) - Utilidad/ (Pérdida) del Ejercicio 6,087 7,768 4,382 5,237 1,399 2,219 2,531 2,484 2,491 - (37,164) (40,254) 13,629 TOTAL PASIVO Y PATRIM. 358,092 508,626 537,776 717,794 781,901 819,244 793,644 745,057 747,174 654,579 450,706 440,748 517,676 TOTAL CONTINGENCIAS 114,372 135,772 132,266 168,461 177,892 189,717 179,487 170,608 171,093 170,515 563,749 17,875 17,875 Derivados Financieros (desde mar 2001) 35,198 - - - - - - - - 41,585 5,722 - - Créditos Contingentes 43,008 135,772 132,266 168,461 177,892 189,717 179,487 170,608 171,093 128,930 558,027 17,875 17,875 Cartas Crédito + Otras Cntg. (hasta 3/2001) 36,165 - - - - - - - - - - - - TASA DE CAMBIO (S/. 1 x US$) $0.385 $0.368 $0.319 $0.287 $0.291 $0.287 $0.287 $0.283 $0.284 $0.284 $0.285 $0.287 $0.287 Strike Value S.A. Page 1 Ph +51(1) 919-8252 romani@terra.com.pe 1/29/2011 Bnm-95-01 NvoMundo-Solving
  • 2. Fuente: Superintendencia de Banca y Seguros P E R U - BANCO DEL NUEVO MUNDO US $000 Solución PERDIDAS Y GANANCIAS Dec-96 Dec-97 Dec-98 Dec-99 Mar-00 Jun-00 Sep-00 Nov-00 Dec-00 Mar-01 Jun-01 Jul-01 7/31/2001 INGRESOS FINANCIEROS 46,317 61,330 67,856 93,664 22,299 45,100 67,798 83,506 83,372 - 21,334 23,729 23,729 Ints.+Comisiones/ Colocaciones 31,388 44,415 49,834 76,930 18,293 37,137 55,470 68,637 68,832 - 18,638 20,725 20,725 Ints.+Comisiones/ Institut.Financieras 3,997 4,220 3,950 3,376 1,058 2,365 3,614 4,226 4,238 - 1,511 1,754 1,754 Ints./ Interbancarias Otorgadas 90 97 145 278 17 133 213 261 262 - 7 7 7 Comm x Créditos Contingentes 6,635 8,077 7,263 7,075 1,710 3,295 5,212 6,431 6,449 - 506 540 540 Comm x Fideicomisos & Adm. - - - - 50 80 182 214 215 - 93 118 118 Ganancia en Cambio 2,137 2,313 2,942 3,739 1,058 1,760 2,412 2,804 2,812 - 401 402 402 Renta de Valores en Cartera 2,070 2,179 3,673 2,175 103 289 630 849 480 - 121 121 121 Otros Ingresos Financieros 2 29 50 91 10 41 65 85 85 - 58 62 62 GASTOS FINANCIEROS (25,950) (31,284) (35,119) (53,106) (14,013) (27,851) (42,647) (50,981) (50,754) - (18,579) (21,300) (21,300) Ints./ Depósitos (18,889) (20,336) (19,573) (24,970) (6,415) (13,128) (20,311) (24,070) (24,138) - (4,882) (5,630) (5,630) Ints.+Coms./ Financiamiento Utilizado (6,722) (10,747) (15,401) (26,118) (7,374) (14,240) (21,541) (25,905) (25,607) - (12,695) (14,832) (14,832) Pérdidas en Cambio (3) - (6) (1,324) (28) (41) (92) (99) (100) - - - - Depósitos Reajustables - - - - - - - - - - - - - Fdo.Seg.Dep.+ Otros (337) (201) (139) (695) (196) (442) (702) (907) (909) - (1,002) (838) (838) RESULTADO FINANCIERO 20,368 30,046 32,737 40,558 8,286 17,249 25,151 32,525 32,618 - 2,755 2,429 2,429 PROVISION COLOCACIONES (3,320) (3,862) (10,004) (7,057) (6) (1,138) (3,976) (4,976) (4,990) - (22,050) (21,722) (21,722) - Provisión/ Créditos Directos (3,320) (3,862) (10,004) (7,057) (6) (1,138) (3,976) (4,976) (4,990) - (22,050) (21,722) (21,722) RESULT. FINANC NETO 17,048 26,184 22,733 33,501 8,280 16,111 21,174 27,550 27,628 - (19,295) (19,293) (19,293) OTROS INGRESOS 11,296 6,211 7,778 18,854 5,456 15,196 19,697 20,417 20,475 - 725 781 781 OTROS GASTOS (18,786) (21,264) (25,560) (47,275) (12,351) (29,011) (38,103) (45,066) (45,194) - (17,388) (19,507) (19,507) Gastos de Personal + Directorio (5,710) (8,607) (9,920) (14,323) (2,891) (6,441) (10,180) (12,756) (12,792) - (5,977) (6,896) (6,896) Gastos Generales (5,528) (8,356) (10,905) (17,327) (6,375) (11,199) (14,151) (16,917) (16,965) - (8,683) (10,168) (10,168) Depreciación + Amortización (1,066) (1,756) (2,673) (4,830) (2,119) (4,083) (5,879) (7,045) (7,065) - (2,099) (2,443) (2,443) Otros Gastos (6,483) (2,545) (2,063) (10,796) (965) (7,289) (7,893) (8,349) (8,372) - (629) - - UTIL.ANTES IMPTO RENTA 9,558 11,131 4,950 5,080 1,385 2,297 2,769 2,900 2,908 - (35,959) (38,018) (38,018) Impuesto a la Renta (2,771) (2,758) - - - - - - - - - - - Resultado x Exposición Inflación-REI (699) (604) (568) 157 13 (77) (238) (416) (417) - 46 (984) (984) Ingr./(Cargas) Extraordinarias - - - - - - - - - - (1,251) (1,252) 11,538 UTIL/PDDA NETA 6,087 7,768 4,382 5,237 1,399 2,219 2,531 2,484 2,491 - (37,164) (40,254) (27,463) UTIL/PDDA NETA (-) REI 6,087 7,768 4,382 5,080 1,385 2,219 2,531 2,484 2,491 - (37,210) (40,254) (27,463) Strike Value S.A. Page 2 Ph +51(1) 919-8252 romani@terra.com.pe 1/29/2011 Bnm-95-01 NvoMundo-Solving
  • 3. Fuente: Superintendencia de Banca y Seguros P E R U - BANCO DEL NUEVO MUNDO US $000 Solución ANALISIS FINANCIERO Dec-96 Dec-97 Dec-98 Dec-99 Mar-00 Jun-00 Sep-00 Nov-00 Dec-00 Mar-01 Jun-01 Jul-01 7/31/2001 ESTRUCTURA PORCENTUAL Fondos Disponibles/ Activos 28.2% 27.5% 24.5% 10.7% 15.5% 14.1% 12.2% 12.5% 12.5% 14.3% 21.7% 22.6% 19.3% Invers.Financ.C/P/ Activos 3.9% 3.0% 5.1% 1.1% 1.2% 1.0% 2.0% 1.8% 1.8% 2.1% 3.0% 3.1% 2.6% Colocaciones Netas/ Activos 60.5% 63.0% 64.2% 65.7% 60.5% 63.1% 65.1% 62.2% 62.2% 64.0% 55.3% 56.1% 60.0% Colocaciones Brutas/ Activos 63.7% 64.5% 66.5% 69.1% 63.8% 67.0% 68.8% 66.1% 66.1% 75.3% 84.8% 81.0% 81.2% Sobreg. + Av.Cta./ Coloc.Brutas 11.3% 8.2% 7.3% 5.2% 4.9% 5.5% 4.5% 5.8% 5.8% 5.8% 1.2% 0.0% 0.0% Desc.+Préstamos/ Coloc.Brutas 75.9% 74.7% 51.2% 52.2% 48.0% 42.5% 40.7% 38.3% 38.3% 38.3% 14.2% 39.3% 48.4% Activo Fijo/ Activos 5.7% 5.3% 5.0% 6.7% 6.2% 5.5% 5.7% 6.0% 6.0% 6.8% 8.6% 8.8% 7.5% Depósitos/ (Pasivo + Patrim) 58.1% 57.0% 47.9% 36.9% 39.6% 41.2% 39.4% 34.1% 34.1% 39.8% 31.7% 33.8% 16.5% Ahorros/ Depósitos 13.0% 12.1% 10.4% 15.7% 15.4% 14.9% 14.0% 11.5% 11.5% 11.2% 7.1% 6.7% 0.0% Depósitos Plazo/ Depósitos 71.7% 76.2% 75.1% 72.3% 68.9% 68.0% 72.6% 72.1% 72.1% 70.4% 71.4% 69.4% 80.3% Financ.Utilizado/ Pasivo + Patrimonio 31.1% 31.4% 38.4% 44.3% 41.3% 38.0% 38.3% 40.5% 40.3% 46.2% 69.0% 69.9% 59.5% Valores en Circulac/ Pasivos + Patrim. 5.6% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 7.2% 7.1% 8.3% 11.8% 12.1% 10.3% Patrim.Neto/ Pasivos + Patrim.Neto 8.5% 7.6% 7.5% 9.3% 8.7% 8.0% 9.1% 9.7% 9.7% 11.1% (13.5%) (14.4%) 14.9% COEFICIENTES OPERATIVOS Y DE RENTABILIDAD Retorno Patrimonial (ROE) 19.9% 20.2% 10.9% 7.6% 2.0% 3.4% 3.5% 3.4% 3.4% 0.0% 61.4% 63.6% (35.7%) Retorno sobre Activos (ROA) 1.7% 1.5% 0.8% 0.7% 0.2% 0.3% 0.3% 0.3% 0.3% 0.0% (8.3%) (9.1%) (5.3%) Utilidad.(Pérdida)/ TotalDepósitos 2.9% 2.7% 1.7% 1.9% 0.4% 0.7% 0.8% 1.0% 1.0% 0.0% (26.0%) (27.0%) (32.1%) Ingr.Financieros/ Activos Rentables 1.9% 1.7% 0.9% 1.0% 0.2% 0.4% 0.4% 0.5% 0.5% 0.0% (15.5%) (16.3%) (8.9%) Retorno s/ Activos en Riesgo RORA 2.4% 2.1% 1.1% 0.8% 0.2% 0.3% 0.4% 0.4% 0.4% 0.0% (10.5%) (11.8%) (6.6%) Activos en Riesgo (US$ MM) $257 $369 $406 $641 $661 $704 $697 $652 $653 $561 $353 $341 $418 Costo Operat./ Rsltdo.Financ.Neto 72.2% 71.5% 103.4% 108.9% 137.5% 134.8% 142.7% 133.3% 133.3% #DIV/0! (86.9%) (101.1%) (101.1%) Costo Operativo/ TotalActivos 3.4% 3.7% 4.4% 5.1% 1.5% 2.7% 3.8% 4.9% 4.9% 0.0% 3.7% 4.4% 3.8% Gtos.Personal/ TotalDepósitos 2.7% 3.0% 3.9% 5.4% 0.9% 1.9% 3.3% 5.0% 5.0% 0.0% 4.2% 4.6% 8.1% Gtos.Personal/ TotalActivos 1.6% 1.7% 1.8% 2.0% 0.4% 0.8% 1.3% 1.7% 1.7% 0.0% 1.3% 1.6% 1.3% Costo Operativo/ Activo Rentable 3.9% 4.2% 5.1% 6.7% 2.0% 3.6% 5.3% 7.1% 7.1% 0.0% 7.0% 7.9% 6.3% CALIDAD DE ACTIVOS CarteraAtrasada/ Colocaciones Brutas 2.1% 2.5% 3.3% 3.6% 4.2% 5.8% 7.2% 7.7% 7.7% 7.7% 48.9% 51.9% 44.1% Cart.Atrasada + Refinanc/ Coloc.Brutas 3.3% 4.4% 5.7% 5.5% 7.2% 9.6% 11.1% 13.2% 13.2% 13.2% 57.1% 58.9% 50.1% Prov.Incobrab./ Cart.Atrasada + Rfncd. 73.7% 55.2% 60.9% 90.0% 71.0% 59.7% 49.0% 44.3% 44.3% 44.3% 50.8% 52.3% 52.3% Prov.Incobrab./ Colocaciones Brutas 2.5% 2.4% 3.5% 4.9% 5.1% 5.8% 5.5% 5.9% 5.9% 5.9% 29.0% 30.8% 26.2% Prov.Incobrab./ Colocaciones Netas 2.6% 2.5% 3.6% 5.2% 5.4% 6.1% 5.8% 6.2% 6.2% 6.9% 44.5% 44.5% 35.4% Activos Rentables-Pasivos Costosos $346 ($1,667) ($660) ($38,997) ($52,433) ($44,473) ($43,773) ($40,035) ($38,080) ($85,561) ($202,841) ($210,679) ($84,063) Activo Rentable Neto/ Total Activos 0.1% (0.3%) (0.1%) (5.4%) (6.7%) (5.4%) (5.5%) (5.4%) (5.1%) (13.1%) (45.0%) (47.8%) (16.2%) Colocaciones Brutas/ TotalDepósitos 109.6% 113.1% 138.9% 187.4% 161.2% 162.4% 175.0% 193.7% 193.7% 189.2% 267.3% 239.8% 491.3% ActivoFijo/ Patrimonio 66.2% 70.0% 67.7% 71.4% 71.2% 68.1% 62.4% 61.9% 61.9% 61.9% (64.0%) (61.0%) 50.2% (*) Depósitos = Excluye Depósitos de Bancos y Entidades Financieras (Placements) por ser consideradas operaciones activas en el ámbito internacional LIQUIDEZ ActivoLíquido/ TotalDepósitos 48.6% 48.2% 51.1% 28.9% 39.2% 34.1% 30.9% 36.8% 36.8% 35.9% 68.5% 67.0% 116.6% Fncmto.Utilizado/ Colocac.Brutas (**) 48.8% 48.6% 57.8% 64.2% 64.8% 56.7% 55.6% 61.4% 60.9% 61.4% 81.4% 86.3% 73.3% DepósitosVista/ TotalDepósitos 9.4% 9.2% 6.7% 8.3% 6.8% 6.3% 7.5% 6.6% 6.6% 6.4% 4.4% 12.6% 0.0% Interbanc.Recib./ TotalDepósitos 43.8% 55.0% 80.2% 120.3% 104.4% 92.1% 97.3% 97.6% 97.3% 95.3% 180.4% 171.2% 297.8% Interbanc.Recib./ TotalColocaciones 39.9% 48.6% 57.8% 64.2% 64.8% 56.7% 55.6% 50.4% 50.2% 50.4% 67.5% 71.4% 60.6% Interbanc.Otorg./ TotalActivos 1.2% 0.2% 0.0% 0.4% 0.4% 0.8% 1.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Costo Financiero/ Financiamiento Utilizado 6.0% 6.7% 7.5% 8.2% 2.3% 4.6% 7.1% 8.6% 8.5% 0.0% 4.1% 4.8% 4.8% (**)Financiamiento Utilizado incluye: Interbancarias, Depósitos de Bancos (Placements), Préstamos y Otros Financiamientos recibidos de bancos y/o entidades financieras CAPITALIZACION Patrimonio/ Total Activos 8.5% 7.6% 7.5% 9.3% 8.7% 8.0% 9.1% 9.7% 9.7% 11.1% (13.5%) (14.4%) 14.9% Patrimonio/ Activos en Riesgo 11.9% 10.4% 9.9% 10.4% 10.3% 9.3% 10.4% 11.1% 11.1% 12.9% (17.2%) (18.6%) 18.4% Patrimonio/ Colocaciones Brutas 13.4% 11.7% 11.2% 13.5% 13.6% 12.0% 13.3% 14.7% 14.7% 14.7% (15.9%) (17.7%) 18.3% Patrimonio/ TotalDepósitos 14.7% 13.3% 15.6% 25.3% 21.9% 19.4% 23.2% 28.4% 28.4% 27.8% (42.4%) (42.5%) 89.9% Activos + Cred.Contg.x Riesgo 10.87 7.60 10.80 0.00 10.80 10.80 0.00 10.80 10.80 0.00 0.00 0.00 0.00 (***) Activos en Riesgo = Total Activos - Disponible Strike Value S.A. Page 3 Ph +51(1) 919-8252 romani@terra.com.pe 1/29/2011 Bnm-95-01 NvoMundo-Solving