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Banco de Loja
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Banco de Loja Headquarters Bolívar y Rocafuerte esq.; Loja; Loja |
Status: Non-Listed Legal Form: Other non-liability limited Operational Status: Operational Fiscal ID (RUC): 1190002213001 Incorporation Date: July 1, 1968 Tel: +593-7-2571682 |
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Company Description |
| Banco de Loja S.A. was established on July 1st, 1968. It is an entity that serves the needs of various sectors of Loja as trade, industry, agriculture, tourism, transport, small or large investor. |
Company Analysis |
| According to the Consolidated - Audited financial statement for the first eight cumulated months of 2012, total net operating revenues increased with 22.65%, from USD 20,598.5 thousands to USD 25,264.18 thousands. Operating result increased from USD 13,853.05 thousands to USD 17,054.31 thousands which means 23.11% change. The results of the period increased 20.37% reaching USD 4,612.85 thousands at the end of the period against USD 3,832.25 thousands last year. Return on equity (Net income/Total equity) went from 16.72% to 15.53%, the Return On Asset (Net income / Total Asset) went from 1.25% to 1.35% and the Net Profit Margin (Net Income/Net Sales) went from 18.60% to 18.26% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1037.05% compared to 1216.28% of last year. |
Key Executives |
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FULL COMPANY PROFILE
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| SELECT CURRENCY |
| Figures in: USD | EUR |
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2013 M02C (non-cons) |
2013 M01 (non-cons) |
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| Audited | Audited | |
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| Superintendencia de Bancos y Seguros - bancos | Superintendencia de Bancos y Seguros - bancos | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
370,383 |
357,020 |
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Total Liabilities |
XXX,XXX |
XXX,XXX |
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Shareholders Equity |
XX,XXX |
XX,XXX |
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| * All the accounts are in USD. | ||
Income Statement
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Total Operating Revenue |
X,XXX |
X,XXX |
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Operational Profit (Loss) |
X,XXX |
X,XXX |
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Net Profit (Loss) |
X,XXX |
XXX |
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| * All the accounts are in USD. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
X.XX% |
X.XX% |
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Annualised Return on Assets (ROA) |
X.XX% |
X.XX% |
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Return on Equity (ROE) |
X.XX% |
X.XX% |
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Annualised Return on Equity (ROE) |
XX.XX% |
XX.XX% |
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Return on Sales (ROS) |
XX.XX% |
XX.XX% |
| Valuation figures and ratios | ||
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EBITDA |
X,XXX |
X,XXX |
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Bookvalue (BV) |
XX,XXX |
XX,XXX |
| Leverage Ratios | ||
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Leverage ratio |
X,XXX.XX% |
X,XXX.XX% |
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Debt to equity |
XXX.XX% |
XXX.XX% |
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Debt to total assets |
XX.XX% |
XX.XX% |
| Market ratios | ||
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Market Capitalization/EBITDA |
X.XX |
X.XX |
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