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Banco de Comercio
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Banco de Comercio Headquarters Calle Callao 172-176 ; Pisco; Ica Headquarters Av. Enrique Canaval y Moreyra 454; Lima; Lima; LIMA 27 Headquarters Av Ejercito 711; Arequipa; Arequipa |
Status: Listed Legal Form: Public Limited Company Operational Status: Operational Fiscal ID (ISIN CODE ): PEP119001001 Fiscal ID (RUC): 20509507199 Financial Auditors: BDO (2010) Incorporation Date: September 27, 2004 Total Employees: 840 Tel: +51-56- 513 6023, +51-1-5136000, +51-54- 604 400 |
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Company Description |
| Banco de Comercio is part of the economic group led by the Military Police Pension Fund (CPMP), the institution responsible for administering the Pension Fund Staff of the Armed Forces and National Police of Peru. The Trade Bank is the bank's smallest Peruvian financial system and was founded in 2004. The entity is to perform the operations and services to banks allowed the financial system, specializing in commercial banking activities, credit for home purchases. Banco de Comercio, has 5 agencies | ||
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Company Analysis |
| According to the Consolidated - Non-Audited financial statement for the third quarter of 2012, total net operating revenues increased with 1.61%, from PEN 47,696 thousands to PEN 48,465 thousands. Operating result increased from PEN 4,063 thousands to PEN 4,613 thousands which means 13.54% change. The results of the period decreased -13.47% reaching PEN 4,374 thousands at the end of the period against PEN 5,055 thousands last year. Return on equity (Net income/Total equity) went from 3.87% to 2.98%, the Return On Asset (Net income / Total Asset) went from 0.31% to 0.28% and the Net Profit Margin (Net Income/Net Sales) went from 10.60% to 9.03% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 972.29% compared to 1144.43% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.06 to 1.06 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Q4 (non-cons) |
2012 Q3 (cons) |
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| Non-Audited | Non-Audited | |
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| BVL-EEFF2 | BVL-EEFF2 | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
1,603,643 |
1,573,410 |
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Current Assets |
1,462,347 |
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Total Liabilities |
1,446,931 |
1,426,676 |
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Shareholders Equity |
156,712 |
146,734 |
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Current Liabilities |
1,373,645 |
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| * All the accounts are in PEN. | ||
Income Statement
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Total Operating Revenue |
51,747 |
48,465 |
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Operational Profit (Loss) |
25,061 |
4,613 |
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Net Profit (Loss) |
14,464 |
4,374 |
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| * All the accounts are in PEN. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
0.34% |
0.28% |
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Return on Equity (ROE) |
3.45% |
2.98% |
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Return on Sales (ROS) |
10.45% |
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| Efficiency Ratios | ||
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Current asset turnover |
-x |
1.06x |
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Asset Turnover |
-x |
0.03x |
| Valuation figures and ratios | ||
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Earning Before Interests and Taxes (EBIT) |
30,482 |
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EBITDA |
- |
69,373 |
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Enterprise value |
1,402,706 |
1,110,147 |
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Enterprise Value / EBITDA |
- |
16.00 |
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Bookvalue (BV) |
137,241 |
129,404 |
| Liquidity Ratios | ||
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Current Ratio |
0% |
106.46% |
| Leverage Ratios | ||
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Leverage ratio |
0% |
1,072.29% |
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Debt to equity |
923.31% |
972.29% |
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Debt to total assets |
90.23% |
90.67% |
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Long Term Debt to Capital |
0% |
26.55% |
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Debt / Enterprise Value |
103.15% |
128.51% |
| Trend Ratios | ||
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Net Income Trend |
0% |
86.53% |
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